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Sunday Reader Question: Additional Cardholders and Future Credit Card Bonuses

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TPG reader Ketan asks:

“I got a United Explorer Card and a flyer came in the mail offering 5,000 bonus miles if I add an authorized user.  If I do that, if in the future that person wants to have their own card, will they still qualify for getting a sign-up bonus for the Explorer Card?”

Yes. Being an additional cardholder will not disqualify you from getting a sign-up bonus for that same card if you decide to open a new account in your name.

Adding additional cardholders can make sense for a lot of different reasons, like in your case to get incentive bonuses or to have someone in your household earning points for you even if they don’t have the credit necessary to get their own mileage-earning card. However, the real value is when they open up their own accounts and can rake in the lucrative sign-up bonuses for themselves. Two (or more) sign-up bonuses are better than one!

Chase Freedom®

Apply Now
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
  • No Annual Fee
Intro APR Regular APR Annual Fee Balance Transfer Credit Rating
0% for 15 months 14.24%-23.24% Variable $0 See Terms Excellent/Good