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The Daily Insight Hub

Do Authorized users get their own card chase?

Author

William Jenkins

Updated on February 19, 2026

When you add an authorized user with Chase, that person gets their own Chase credit card tied to your account. This is ideal if you want them to be able to pay for purchases using your Chase card.

Do authorized users have the same card number?

As Marc has discovered, Chase provides the identical account number on all authorized cards issued from a single personal credit card account, and most banks tend to do the same thing. So if you add a user to your Capital One Venture Rewards Credit Card, that person will get his or her own account number.

Can a credit card be used by an authorized user?

Authorized users are issued their own credit card with access to your existing line of credit. The authorized user will see an improved credit score — assuming the account is managed responsibly — and the primary cardholder earns rewards for the authorized user’s purchases. The cards below make it easy and rewarding to add an authorized user.

Do you have to report authorized user activity to credit bureaus?

But you will need to confirm that the card issuer reports authorized user activity to credit bureaus. If the issuer does not, then card activity will have no effect on your credit. The account holder and the authorized user must use the card wisely.

How do I add an authorized user to my account?

Once you’re on the account, the payment history exhibited by the primary cardholder is reported to the three credit bureaus. To add an authorized user, contact the bank that issued your card, either via its customer service phone number or online platform.

Is the authorized user the same as a co-signer?

Is an authorized user the same as a co-signer? While being added as an authorized user is not the same as earning credit card approval through a co-signer, they are both options to start your credit history if you have little to no credit.