Credit Cards » Credit Card Guides » How to Add an Authorized User to a Discover Card?
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

How to Add an Authorized User to a Discover Card?

You can add an authorized user to a discover card on Discover website or by phone. Here's how to make it quickly - and what else to know
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

Can I Add An Authorized User To My Discover Card?

Discover, along with most major credit card issuers- no longer allow co-signers. Account owners can, however, add Authorized Users to their accounts. Discover allows up to five Authorized Users on each account and sometimes offers sign-on rewards to the owner and the added user.

The credit line allotted to the account is shared with the account holder and the Authorized User. Authorized Users with Discover have a mutual account with the account owner and can see all purchases and when they are paid.

Adding authorized user Discover
(Screenshot from discover.com)

How To Add An Authorized User To A Discover Card?

Once you have decided to add an Authorized User to your account, the process becomes simple. Just like opening a personal account, additional users are added by phone, website, or mobile app.

To add an Authorized User to your account via the website, start by visiting the Account Center page:

  1. Login
  2. Choose the “Manage” tab
  3. Click “Manage Authorized Users”

Cardholders can then add the Authorized User by entering the necessary information. This is the same process for adding a user through the mobile app.

The mobile app is generally an easier process because the account is accessible immediately upon opening the app; usually by PIN or face recognition.

Adding authorized user Discover login

Once an application is complete, you will click “submit.” When you apply online or through the mobile app, Users are added to the account instantly. Once the application is complete, the Authorized User will receive their card by mail.

 Account holders can also add Authorized Users by phone:

  1. Call customer service
  2. Enter your card number
  3. Voice the requested information, or type it on the keypad

The information needed for an application is to ensure that Discover knows who the Authorized User is and what their credit history looks like.

  • Name and Address
  • Birth Date
  • SSN

Sign Up for

Our Newsletter

Join our community for the latest credit card comparison tips, expert insights,
and special member-only perks.

Sign Up for

Our Newsletter

Join our community for the latest credit card comparison tips, expert insights,
and special member-only perks.

Are There Any Restrictions?

There are no relational restrictions on who can be an Authorized User, outside of the age requirement being 15+. For example, your daughter is 16 and receives a weekly allowance for gas.

You can add your daughter to your account as an Authorized User to purchase gas whenever they need, instead of manually sending their allowance.

Account owners can add friends or family members to their accounts, as well, for a variety of reasons; one possibility is that you want to help your friend build or rebuild credit.

Does Discover Report Authorized Users To Credit Bureaus?

Discover reports an Authorized User’s activity to all three credit bureaus: Equifax, Experian, and TransUnion.

However, not all credit bureaus will reflect that information to an Authorized User’s account. For example, it may not be within a credit bureau’s policy to report negative information to an account.

Some bureaus have age restrictions when it comes to credit reports as well. Discover card Authorized Users under the age of 15 will not have their card activity reflected on their credit history. The best way to set your Authorized User up for success, is to check all three credit bureau's policies when it comes to this information.

Discover Cards: How Do Authorized Users Work?

Authorized Users are added to an already existing account without needing a second credit check- meaning that most authorized users can apply to be added to an account without fear of being denied.

These users are given a Discover card and an account login. The authorized user will have the ability to add their own payment method. Usage and payments made through the authorized user’s selected payment method will appear on both users’ credit histories.

If payments are not made on time, this reflects negatively on the account owner, as all payments are their responsibility by default. This is why it is important to be selective of who you add as an authorized user.

There are many upsides to adding an authorized user to your Discover account if both parties spend responsibly and understand the benefits of their selected card.

  • Having two users makes it easier to meet spending requirements
  • More opportunities to earn points as more purchases are made
  • Prevent account closures due to lack of use

When an Authorized User is approved for your Discover card, a new account will appear on your credit report. Just as their usage affects your credit, your usage even more so affects them.

If you, as the account owner, miss payments or misuse your card, you negatively impact the Authorized User’s credit history- preventing them from approval for loans or other credit cards down the road.

Card
Rewards
Bonus
Annual Fee

1-5% 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
Cashback Match All cash back earned at the end of the first 12 months is matched.
$0

Discover it® Chrome Gas & Restaurants

1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all your other purchases
Cashback Match Discover matches all cash back you earn at the end of your first year
$0

Discover It miles card review

1.5X unlimited 1.5x miles for every dollar spent on all purchases
Discover Match® All miles earned at the end of the first year are matched.
$0

Discover It Student Chrome Card Review

1-2% 2% cashback at gas and restaurants (up to $1,000 every quarter) and 1% on groceries and other student related products
Match Bonus Discover will match all cash back earned at the end of your first year
$0

Discover It Secured review

1-2% 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and unlimited 1% cash back on all other purchases
Cashback Match™ Discover will match all the cash back you’ve earned at the end of your first year.
$0

What Else Should I Take Into Account?

Another important aspect when it comes to adding an authorized user to Discover card is the process of deciding who to add to your account, and when:

  • This person has proven to be trustworthy
  • This person is reliable
  • This person meets the minimum age requirement
  • You communicate regularly with the potential user
  • Adding an Authorized User to your account will benefit you
  • Your credit score is stable (meaning a temporary drop in credit won’t hurt you in the meantime)

When adding an authorized user to your Discover account, it is necessary to be on the same page as one another. Important questions to ask yourself and the added user are:

  • What are our mutual goals for the account?
  • How often will payments be made?
  • What percentage of the credit line will be utilized?
  • Who is responsible for what payments?

If this person meets all of the requirements and passes the personal criteria you have set, you may begin adding them as an authorized user.

authorized users on Discover credit cards
Add an authorized user to your Discover account responsibly. (Photo by James Muise/Shutterstock)

How To Remove An Authorized User From My Discover Card?

Removing yourself as an authorized user on Discover card could impact your credit score because the account owner’s credit history will be removed from your credit report.

If the account owner was responsible for paying most of the bills and had a higher credit score than you, your credit score may drop by a few points. If the account owner carried high balances or made payments late, being removed as an authorized user may improve your score.

You can remove authorized users or remove yourself as an authorized user by:

  1. Login to your Discover account
  2. Click the “Card Services” tab
  3. Select “Manage Cards”

You will see an authorized users section under the account owner's card. Select “Manage” and then “remove.” This can be done through the mobile app or by logging into your account via the Discover website.

The user will be removed from the account immediately. authorized users can also be removed by calling the number on the back of the Discover card.

What Benefits Are Not Available To Discover Authorized Users?

Unfortunately, Authorized Users don’t receive all of the same benefits and perks as the account owner.

Authorized Users have the opportunity to use Cashback rewards for payments, and the option to redeem their rewards in miles or gift cards, after gaining permission from the issuer or an agent. Generally, the account owner dictates who can use the rewards.

While some cards allow access to cashback rewards for the Authorized User, ultimately, they are collected by the account owner. It is their account, so they own rights to all benefits and perks.

Some Authorized Users have lower spending limits than the account owner- but that is determined by the type of card or per request by the account owner.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

Authorized Users are not held responsible for pending debt or carried balances with Discover. The account owner is solely responsible for payments and benefits.

That is why it is so important to consider the upsides and downsides alike before adding an Authorized User to your account.

Authorized Users are required to provide an SSN to be added to an account. Discover required an SSN, address, and date of birth to ensure they know the person and their identity before approving them as an Authorized User.

If they cannot provide an SSN, they are not eligible to be an Authorized User with Discover.

The only reason why someone would be denied as an Authorized User with Discover is if they fail to provide the necessary information for application.

Discover does not require any prerequisites for Authorized Users, but failing to provide an SSN, address, or date of birth means you are not eligible to be an Authorized User.

Discover does not do a credit check on Authorized Users. Authorized Users can be added to an account without fear of rejection, as Discover does not require added users to meet any prerequisites.

Review Discover Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
Best Cards Per CS
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

#1 In credit Cards

Our Newsletter

Sign up to our newsletter for secret credit card tips, insider advice, and exclusive deals straight to your inbox

Start saving smarter with

Our Credit Card Newsletter

Sign up for our newsletter and gain access to expert advice,
insider knowledge, and exclusive offers

Sign Up for

Our Newsletter

Join our community for the latest credit card comparison tips, expert insights,
and special member-only perks.