5 Things to Know About Adding an Authorized User

Learn about the benefits of adding an authorized user to your card.

By Navy Federal October 5, 2018

When you discover something that helps you financially—like a credit card that works hard for you—it’s natural to want to share it. Under the right circumstances, adding someone as an authorized user to your card can be beneficial for both you and the user. Here’s what you need to know:

  1. You can add your spouse, family member or anyone you choose. The authorized user receives a card with their name on it, and they enjoy the privileges of using the card.1 Because you’re ultimately responsible for purchases charged to your card, pick authorized users carefully.
  2. Adding an authorized user can help them build credit. This is a big plus for a family member who has difficulty qualifying for a credit card on their own. Getting approved for a credit card can be challenging for someone who’s just starting out with no credit history. As an authorized user, they can gain experience using credit and learn how to manage their own credit in the future.
  3. You can set limits and monitor spending. As a primary account holder, you have the ability to set limits on spending for any authorized users. You can also monitor spending on the card and set up alerts through our digital banking2 system. Keeping close tabs on an authorized user’s spending can help keep your credit (and your relationship) on good terms.
  4. An authorized user helps you earn more rewards. Your rewards add up even faster with an authorized user on your account because you’re both making purchases that add up to more points for airline tickets, cash back or other rewards.3
  5. It’s easy to add an authorized user. You can securely add an authorized user to your card in a few simple steps—the process should only take a few minutes. Just visit a branch, call us or sign into your account on navyfederal.org and send a secure message to start the process. Learn more about setting up an authorized user on your Navy Federal Credit Union Credit Card.

1Each account is limited to four total users per account, including the primary and any joint account owners. Authorized users can use your account subject to the terms and conditions of the Credit Card Agreement and Disclosure. You are responsible for paying any charges made or allowed by an authorized user. The account performance will be reported in all the account holders' and authorized users' names to the credit bureaus.

2Message and data rates may apply. Terms and Conditions are available.

3Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.