As an Authorized User, Can I Open My Own Account for the Same Card?

Feb 14, 2018

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“Reader Questions” are now answered twice a week — Tuesdays and Thursdays — by TPG Assistant Editor Brendan Dorsey. Brendan has been with TPG for a year and a half and hails from Northern California.

After being an authorized user on someone’s credit card account, you may be considering an account of your own. Maybe you want to apply for the card yourself so you can get your own sign-up bonus, or perhaps you just want to earn your own miles and/or improve your credit score. TPG reader Jake asked us a question along those lines about his sister’s authorized user account.

My sister is an authorized user on my brother-in-law’s Alaska Visa Signature Card. Do they need to cancel her authorized user card first before she applies? Or can she simply apply for a card on her own and keep the authorized card as well?

TPG Reader Jake

Well, Jake, to answer your question simply, there’s no need to close the authorized user card if your sister wants her own account for the same credit card.

There aren’t any rules that will disqualify her from signing up for her own Alaska Airlines Visa Signature credit card. And it wouldn’t hurt to keep the account open — in fact, it could ding her credit score if she closes it, and it doesn’t cost anything to keep an authorized user account open for the Alaska card. Additionally, there aren’t any other issuers that would disqualify her from being an authorized user on one account and then applying for the same card on her own.

There are definitely some benefits to your sister getting her own account. First, she’ll be able to obtain a sign-up bonus of her own. With the Alaska card, she’ll receive 30,000 miles after spending $1,000 in the first 90 days of account opening. That bonus is worth $540 according to TPG’s valuations.

She’ll also be able to get her own annual companion fare, which offers a steep discount if you want to bring a friend or family member on an Alaska (or Virgin America) flight with you. So if her husband already used his for the year, they’d now have another! Just keep in mind she’ll need to pay an annual fee of $75 for her own account.

Alaska Airline’s new aircraft interior. Image by Alaska Airlines.

Another benefit she’ll receive as the primary account holder of a co-branded airline card is being able to earn miles straight into her own frequent flyer account. Plus, having a primary card account attached to her credit report will help boost her credit score (as long as she pays the bill off on time), which can help her establish credit history if she’s never had a card of her own.

The last thing your sister-in-law should consider before applying for the Alaska card is Chase’s 5/24 rule, which precludes applicants for Chase cards from being approved if they’ve opened five or more cards in the last 24 months. So it would be wise for her to apply for any Chase cards she’s been eying before applying for other issuers’ cards.

To sum it up, Jake, yes your sister can, and probably should, get her own credit card account in this case, and it doesn’t require her closing the authorized user account. Just be aware that she’ll now have to pay an annual fee of her own, and keep in mind it could be worth considering getting a different card altogether — a card with benefits that complement, not duplicate, her husband’s wallet.

Thanks for the question, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at

Editorial Disclaimer: Opinions expressed here are the 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.

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