Several perks come along with adding an authorized user to your credit card account. You will be assisting the individual in establishing fantastic credit, for starters. Another benefit is that you will get awards much more quickly.

However, keeping track of approved user purchases may quickly become frustrating. You can view any charges made to your card regardless of who makes the purchase; Unfortunately, many credit card companies provide billing statements as a large list of transactions, making it hard to discern which acts correspond to which user. Your account will be much simpler to maintain thanks to the fact that certain cards can monitor the purchases made by authorized users.

Blue Cash Preferred® Card from American Express

• 6% cash back on spending up to $6,000 per year at supermarkets in the United States (beyond that, 1% cash back).
• Get 6% cash back on certain streaming subscriptions in the United States.
• 3% cash back on transportation and at petrol stations in the United States.
• 1% cash back on every other transaction.

In addition, this card comes with the following welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases on your new Card during the first six months of using the Card. There are certain restrictions. The first year of membership is free of charge; after that, the yearly price is $95.

Capital One SavorOne Cash Rewards Credit Card

• 3% cash back at grocery shops, eating establishments, popular streaming services, and entertainment venues and venues.
• 8% cash back on all purchases made with Capital One Entertainment.
• Cashback of up to five percent on all hotel stays and automobile rentals made via Capital One Travel. There are several conditions.
• 1% off on anything else you buy.

The card does not have an annual fee, and it also comes with a sign-up bonus in the form of a one-time cash bonus of $200 that can be earned after spending $500 on purchases within the first three months of creating an account.

Platinum Card® from American Express

• Five points will be awarded for every $1 spent on flights booked directly with airlines or via American Express Travel. This offer is valid on purchases of up to $500,000 made through American Express Travel.
• When you book your hotel stays in advance via AmexTravel.com, you will earn 5 points for every $1 spent.
• One point is awarded for every $1 spent on anything else.

Additionally, it grants access to premier travel privileges such as airport lounge access, a credit worth $100 toward the Global Entry program, and a credit worth $200 annually for the cost of airline fees (enrollment required). There are several conditions. The following perks are included with the purchase of this card: You will be rewarded with 80,000 Membership Rewards® points after making purchases totaling $6,000 on your new Card during the first six months of your Card Membership. There are certain restrictions. It charges a whopping $695 for its yearly fee.

For Apple Pay Users

Apple Card allows you to add upto 5 more individuals to Apple Card account. These additional people may either be co-owners of the account, in which case they share equal responsibility for it, or they can be authorized users. Using Apple Wallet, you and the co-owner of the account, if you want to designate one, may monitor how the account is being used and place spending restrictions on approved users. All participants in the Apple Card Family program are entitled to retain any points they earn, in contrast to the majority of other credit cards, which only allow the main account holder to keep any rewards their authorized users earn.

Do Authorized Users Of American Express Get Reported To Credit Bureaus?

American Express will submit authorized user information to credit bureaus if any of the following conditions are met:

At least 18 years of age is required of the authorized user. (American Express authorizes users, whom the company refers to as "extra card members," starting at 13.) The card account has yet to reach the overdue status. According to AmEx, "we shall suspend reporting on the Additional Card Member's Card in order to keep good history on the Additional Card Member" if the principal account gets past due on its payments.