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TPG reader Eric sent me a message on Facebook to ask about account access for credit card authorized users:

“Do authorized users get their own account login to view charges and set up payments? I’m specifically asking about the Chase Ritz-Carlton card.”

There are several good reasons to add users to your credit card account. For starters, secondary cardholders can help you earn sign-up bonuses and other rewards through spending, and in some cases they can share card benefits without having to apply on their own. Some cards even offer bonus points just for adding users and making a purchase. Of course, there are also more pragmatic reasons to add an authorized user, like enabling a family member or employee to manage the account on your behalf.

Generally, card issuers allow you to dictate the level of access given to authorized users. That said, Chase provides fairly limited options for personal cards like the Ritz-Carlton Rewards Credit Card and Chase Freedom. Authorized users can’t view account information online; that’s reserved exclusively for the primary cardholder. However, authorized users can perform most tasks by phone, including balance inquiries, payments and basically anything that doesn’t affect your credit (like increasing the credit line or closing the account).

Chase offers greater flexibility on its business credit cards and allows authorized users (designated as employees) to view account information online. Employees can only access information about their own cards, not about the master account. They also have to create a separate login, so they can’t just link the card to their own personal Chase account.

Business cardholders can also designate a proxy, which is someone who doesn’t have a card, but does have read-only access to the entire account (including employee cards). An employee can be a proxy, too, so you can give someone (like a manager or accountant) online access to information pertaining to the whole account. However, they’d still have to call in order to make changes.

Citi and Amex allow authorized users to access account information online.

As for other card issuers, American Express allows authorized users to view their card information online. Best of all, they can do so via their own Amex account, so they don’t have to create a separate login. You can also designate an account manager, who can be given full access to do everything other than replace a card, activate a card and add more authorized users.

Similarly, Citi gives authorized users access to most account information online, and allows them to take certain actions like make payments, change contact info, initiate billing disputes and more. They can’t close the account, add more users, change the credit line, convert to another card or make other fundamental changes. Like Amex, Citi allows authorized users to link cards to their own personal online accounts.

In any case, you could always just give someone your own personal login and password if you want them to have full access to your account, but of course there are security risks involved with that.

For more on the advantages (and disadvantages) of adding authorized users, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.