My spouse is an authorized user on my credit card account. Can they apply for the same card of their own?
Yes! If your spouse is an authorized user on your card, they can apply for the same card of their own. Just make sure that your spouse is not currently a “co-sign” on your account. Otherwise, they won’t be able to get their own bonus later.
What is an authorized user?
An authorized user has a card in their name that links to your account. But, you are the primary card holder. You are responsible for all purchases and activity that an authorized user makes on their card. You own the card and credit history of that card.
As we stated above, your spouse can apply for their own credit card. In fact, we recommend that spouses have their own credit card(s) and account(s) to maximize earning potentials. You are each a unique individual with your own social security number. Which means, that you can each qualify for your own credit cards. By having your own card(s), you can earn double the sign-up bonuses.
For example: If a card has a 50,000 point sign-up bonus and only one of you gets the card, you are only earning 50,000 points. If you and your spouse get the same card, you now have 100,000 points. What is better is that many credit card programs (not so much with airlines and hotels) allow you to combine points with your spouse.
If your spouse is not an authorized user for you account, here’s why you should still consider adding them.