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TPG reader Angela sent me a message on Facebook to ask about earning credit card sign-up bonuses:

“My fiancé applied for the Chase Sapphire Preferred card recently, and got an additional card for me as an authorized user. I later received a pre-approved offer for the same card, but it says current cardholders are ineligible for the bonus. Am I considered a current cardholder since I’m an authorized user on his account, or can I still apply and earn my own bonus?”

There are several benefits to adding authorized users on your credit card accounts. The additional purchasing power makes it easier to meet spending requirements for bonuses, and secondary cardholders often get to share certain card benefits. Some cards even offer an incentive to add users as part of your sign-up bonus — for example, the Chase Sapphire Preferred Card offers 5,000 Ultimate Rewards points when you add an authorized user and make a purchase within the first three months.

Best of all, being listed as an authorized user on someone else’s card does not prohibit you from applying for your own card and earning a sign-up bonus. Card issuers sometimes limit sign-up bonuses to exclude existing customers or anyone who earned a similar bonus recently (or ever, in some cases), but that only applies to primary cardholders. Being listed as a secondary cardholder won’t affect your eligibility.

That means not only can Angela get the Sapphire Preferred card and earn a sign-up bonus, but also she can add her fiancé as an authorized user to earn the extra 5,000 bonus points on her own account. The same goes for other cards that offer a bonus for adding an authorized user, like the United MileagePlus Explorer Card or the Chase Freedom Card.

Authorized users can help boost your rewards, and should still be eligible to earn their own sign-up bonuses.
Authorized users can help boost your rewards, and should still be eligible to earn their own sign-up bonuses.

While being added as an authorized user is generally beneficial (so long as the primary account is in good standing), it may impede you from getting approved for some cards that earn Ultimate Rewards points. In 2015, Chase began automatically denying applications from anyone who has opened five or more cards (from any issuer) in the previous 24 months. Reports indicate that some authorized user accounts have been counted in that total, which is one reason why I recommend making Sapphire Preferred your first card in 2016.

Fortunately, that’s the exception and not the rule. If you’re an authorized user on someone else’s account, you can rest easy knowing that you’re still eligible to earn your own sign-up bonus down the line. For more on authorized user accounts and the Sapphire Preferred card, check out these posts:

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

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

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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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 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 travel 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
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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.