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®

It's a stellar cash back card on its own, but when paired with the Chase Sapphire Reserve or Chase Sapphire Preferred, the Freedom's 5x Category Bonuses let you rack up Chase Ultimate Rewards Points, transferrable to partners or redeemable via the portal.

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More Things to Know
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro APR on Purchases
0% Intro APR on Purchase for 15 months
Regular APR
16.99% - 25.74% Variable
Annual Fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Recommended Credit
Excellent/Good

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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.