If you are married, you can add your spouse as an authorized user to your credit card. An authorized user is someone that can use your credit card, while you retain all account ownership and responsibility. This means that they receive their own card and you are responsible for any purchases your authorized user makes. There are several reasons why you should consider adding your spouse as an authorized user to your credit card:
Benefits of adding an authorized user:
Minimum spend: Most premium credit cards require you to meet a minimum spend to earn sign-up bonus points. If you add your spouse to your card, you will now have 2 people spending towards the minimum spending requirements.
Authorized user bonuses: Some credit cards offer a points bonus for adding an authorized user. This is typically around 5,000 points or so, which is a great, easy way to earn more points.
Increase their credit score: Adding your spouse as an authorized user can increase their score if you use your credit card responsibly.
It’s important to note that being an authorized user on someone’s account does not disqualify you from getting the same credit card in your own name. A strong plan for married couples is to each get the same type of card and add their spouse as an authorized user. This allows you to earn double the points! Learn more about this strategy here.