Which Credit Cards Help Authorized Users Build Credit?

Which Credit Cards Help Authorized Users Build Credit?

November 9, 2015         Written By Jason Steele

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(Note: the Citi ThankYou Preferred card is no longer available)

Are you trying to build credit, yet are unable to be approved for a new account? It’s the classic “chicken and the egg” paradox, and there are only a few ways out of it.

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

One of the most popular techniques for building credit is to become an authorized user on another person’s credit card account. The consumer credit scoring formulas allow the primary account holder’s good credit to essentially rub off on authorized users, which can help to increase the credit score of a person with a limited credit history. But one catch is that not all credit cards will help authorized users to do this.

Tips to improve your score as an authorized user

When using this technique to improve your credit score, the most important factor is going to be the credit score of the primary account holder. The primary account holder should not only have a strong credit score, but it is vital that they maintain their score by making all of their payments on-time. This advice applies not just to the credit card that you are an authorized user on, but all of the other person’s accounts such as mortgages, car loans, and other credit cards.

As your credit improves, you can apply for a new account as a primary cardholder, which will help to build your credit even more than being an authorized user. And finally, it is a good idea to be removed as an authorized user once you are able to open your own account, as you will not want to risk having your credit score be affected if the primary account holder’s should change.

Knowing which cards help authorized users

To benefit from becoming an authorized user, the card issuer must require that the account holder supplies the Social Security number of the authorized user. Without that number, there is no way for the account to link the name of the authorized user to his or her credit report.

Here are some of the cards from major issuers that can help authorized users to build their credit:

Capital One Platinum

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Capital One requires a Social Security number when adding an authorized user, and it has relatively low requirements for being approved for a new account. The Capital One Platinum card is offered to cardholders with just fair credit, and it has a number of benefits. For example, it features Capital One’s Credit Tracker so you can learn how your decisions affect your credit score. Cardholders get access to a higher credit line after making your first five monthly payments on time. It also has no annual fee and no foreign transaction fees.

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

Citi ThankYou® Preferred

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The Citi ThankYou® Preferred card is a great entry level card that offers plenty of rewards and benefits. New cardholders receive 15 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. Customers earn one point per dollar spent on most purchases, and double points for spending on dining out and entertainment. When you add an authorized user to your Citi card, remember to specifically request to use that person’s Social Security number in order to help their credit score. There is no annual fee for this card.

The information contained within this article was accurate as of November 9, 2015. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Jason Steele

Jason Steele is a journalist that covers credit cards, travel and consumer credit. As one of the nation's leading experts in credit cards, Jason has contributed to dozens of travel and personal finance outlets including NerdWallet, Credit Karma and the Points Guy, where he serves as the Senior Points and Miles Contributor. Jason has also been widely quoted in mainstream media in outlets such as the Washington Post, the USA Today and Bloomberg Business Week. Jason is also the founder and producer of CardCon, which is the annual Conference for Credit and Credit Card Media.
View all posts by Jason Steele