Credit Cards » Credit Card Guides » How to Add an Authorized User to Your Chase Sapphire Preferred
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How to Add an Authorized User to Your Chase Sapphire Preferred

You can add authorized users to your Chase Sapphire Preferred card for free. Here's how to do it and what are the benefits for both sides
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.

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Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: May 23, 2023
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.

See full bio
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:May 23, 2023

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 Chase Sapphire Preferred Credit Card?

You can add a close associate or a family member to your Chase Sapphire Preferred credit card and authorize them to transact on your account. You can add an authorized user to the credit card account online or by calling Chase customer service or online via the website.

You are responsible for any charges made by the authorized users added to your Chase Sapphire Preferred credit card. There are no additional annual fees, and there are no age restrictions.

By adding authorized users, you share the convenience of your account with them. They get their cards and enjoy full access to the account. Moreover, you can earn rewards on purchases made by authorized users.

How to Add an Authorized User to Chase Sapphire Preferred Card?

Chase easily adds authorized users to your Sapphire Preferred Card account. You can add an authorized user either online or by phone.

Below are the steps for online adding an authorized user to your Chase Sapphire Preferred card account.

  1. Log in: Open the bank's website on your favorite browser and log in. After logging in to your Chase Sapphire Preferred Card account, click on ‘More' in the top right corner.
  1. Navigate to ‘Account Services.': On the drop-down menu, click on ‘account services' and then click on ‘add an authorized user.'
  1. Enter the authorized user's details: After clicking on the ‘add authorized user' tab, you will be prompted to fill in their details. You must provide the user's name, date of birth, and address. After filling in the details, click on ‘next' to complete the process. If the authorized user has a foreign address, you must call the bank to add them.

You can also add an authorized user to your Chase Sapphire Preferred credit card account by calling the number on the back of the card.

The authorized user's card is sent to your mailing address within 7-10 working days.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Learn More

On Chase Secure Website

Rewards Plan

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

Welcome Bonus

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening[/sc]

Intro APR

N/A

PROS

  • Welcome Bonus
  • No Blackout Dates

CONS

  • Annual Fee
  • Low Merchandise Rewards

APR

21.24%–28.24% variable APR

Credit Rating

Good – Excellent

Intro APR

N/A

Annual Fee

$95

APR

21.24%–28.24% variable APR
  • Welcome Bonus
  • No Blackout Dates
  • Annual Fee
  • Low Merchandise Rewards
Learn More

On Chase Secure Website

How Chase Sapphire Preferred Authorized Users Work?

When you add authorized users to your Chase Sapphire Preferred card, they have the same charging privileges but are not financially responsible. After adding an authorized user, you share with them access to your account and the credit limit.

As the primary cardholder, you can customize the spending limits of authorized users. Chase allows you to lock and freeze spending on your credit card account until you unlock it. The users cannot change the account information, lock and unlock or add other authorized users.

Chase limits its clients to five new accounts per rolling two years. This implies that the financial institution will not approve your new card applications if you open five or more credit cards in the last twenty-four months. 

Chase checks your credit report to determine your 5/24 status. The report includes accounts whereby you are an authorized user. Therefore, there is no limit to the number of authorized users you can add to your credit card account as long as you abide by the 5/24 status. There is no authorized user fee for a Chase Sapphire Preferred account.

As the primary cardholder, you will be responsible for the annual fees for the card. You must pay the fees whether you have authorized users on your account or not.

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Benefits of Chase Sapphire Preferred Authorized Users

Adding an authorized user to your Chase Sapphire Preferred card can be cost-effective. Other than being cost-effective, below are the other benefits of Chase Sapphire Preferred authorized users.

  • Earning More Rewards

All spending on the credit card account count towards the minimum spending requirement for getting a welcome bonus. You can also earn rewards on purchases made within the bonus category.

Adding authorized users to your Chase Sapphire Preferred credit card increases your ability to earn rewards in a single rewards account.

  • No Extra Fees

You can add authorized users to the card account without paying additional fees.

  • Redeeming Rewards

You can control and redeem Chase rewards and use the points to book travel or make redemption transactions for the authorized user.

  • Shopping Benefits

There are different shopping benefits for the card's authorized users—for example, DoorDash benefits and extended warranty protection for qualifying purchases.

  • Travel Benefits

There are Lyft benefits for both the primary cardholder and authorized users. Also, you get discounts of up to 25 percent on car rentals.

Does Authorized User Build Credit?

If you are beginning your financial journey, you have no credit, and it can be difficult to build credit. It is almost impossible because of the difficulty of establishing a credit history when you cannot be approved for a credit card or loan.

Adding an authorized user to your credit card account can help them establish and build credit. Authorized users need to assess the account they are getting added to ensure it is in good standing.

Chase reports the card's payment history to credit bureaus, which explains how being added as an authorized user is a credit-building strategy.

Authorized users do not need good credit to be added to a Chase Sapphire Preferred credit card.

Adding an authorized user on Chase Sapphire Preferred
Adding an authorized user on Chase Sapphire Preferred is free (Photo by photobyphotoboy/Shutterstock)

How to Remove Authorized User on Chase Sapphire Preferred?

You can remove an authorized user from your Sapphire Preferred card by phone or online. After logging into your credit card account, you can send a secure message to Chase. You must include the details of the authorized user you want to remove.

You can send the message by navigating to ‘Accounts' on your account management page and heading to the secure messages’ inbox.

Although you can add an authorized user to your Sapphire Preferred credit card account online, removing them through the account management page is impossible. Alternatively, you can call the bank using the number on the back of the credit card.  

There are different reasons why you would want to remove an authorized user from your Sapphire Preferred credit card account. You can remove an authorized user because they have reached the financial goal. Also, you can remove an authorized user if they are constantly spending over the limit or not paying for expenses on time.

Irrespective of the reason for removal, removing an authorized user from a Chase Sapphire Preferred credit card account is straightforward.

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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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

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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

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Rewards Plan:
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Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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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

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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.

What Benefits Aren't Available to Authorized Users?

Most benefits and redemption options are only reserved for the primary holders of Chase Sapphire Preferred credit card. Moreover, they assume all responsibility for paying any charges.

When you add authorized users to your Chase Sapphire Preferred credit card, they also enjoy numerous benefits. However, some benefits are not available to authorized users, including:

  • Redeeming rewards. Both you and your authorized users earn rewards when you use your cards. However, authorized users cannot redeem the rewards. For example, they cannot redeem points for statement credits, cash-back, and gift cards. Also, authorized users cannot transfer reward points to hotel and airline partners.
  • Chase offers. Both you and the authorized users can use Chase offers. However, authorized users cannot view and add Chase offers.

Alternatives to Chase Sapphire Preferred Authorized User

Many credit cards allow the addition of authorized users. Premium cards, however, could have more limits and charge greater costs. Here is a list of some of the premium credit cards that let approved users:

Card
Annual Fee
Authorized User Annual Fee

Chase Sapphire Reserve®
$550
$75

amex platinum

The Platinum Card® from American Express
$695
$175 for up to 3 additional Platinum cards, then $175 per additional Platinum card (see rates & fees)

Venture X Rewards

Capital One Venture X Rewards
$395
Free for the first 5 people

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express
$650
$175 for each additional Delta Reserve Card (see rates & fees)

united infinite card

United Club℠ Infinite Card
$525
Free

amex brilliant

Marriott Bonvoy Brilliant® American Express® Card
$650
Free (See rates and fees)

Citi AAdvantage® Executive World Elite Mastercard®

Citi AAdvantage® Executive World Elite Mastercard®
$525
Free for up to the first 10 users

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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.
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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:
50,000 miles 50,000 bonus miles after you spend $3,000 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.

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The Smart Investor (this website) is an independent financial website. The product offers that appear on this site are from companies from which this website may receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Smart Investor does not include all companies or all offers available in the marketplace and cannot guarantee that any information provided is complete.

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