How Do I Add an Authorized User to My Capital One Account?

Introduction

There are multiple reasons for adding an authorized user to an existing Capital One credit card, including helping a family member rebuild or build their credit history or simplifying household expenses. Regardless of the reason, adding an authorized user can be a smart move. This feature lets someone else use your card while you remain completely responsible for the bill and all the charges that are made. Capital One makes the process straightforward and relatively easy through the mobile app or website. This guide breaks the process down into clear steps so you can do it with confidence.

Confirm You’re Eligible and Understand the Rules

Before adding an authorized user, make sure your account is in good standing. Capital One generally allows you to add an authorized user to most of their credit cards, including popular options like the Capital One Venture Rewards card and the Savor card. If you have a secured card, there may be restrictions. The authorized user will receive their own card with their name on it. There are some limits on what the authorized user may do. For example, an authorized user can’t close the account or make changes to the address. Keep in mind that Capital One may run a soft credit pull on the new user. Note: You must be the primary cardholder, secondary cardholder, hold power of attorney or be the account manager to add a user.

Gather the Necessary Information

To add the user, you’ll need the full name of the individual as it appears on their government-issued ID, their date of birth and their Social Security number (SSN). You’ll also need to provide their full mailing address and phone number. Capital One requires a minimum age of 13 for all authorized users.

Log In To Your Capital One Account

The easiest way to add an authorized user is to navigate to capitalone.com and sign in with your username and password. If you haven’t used the mobile app yet, download the Capital One mobile app from the App Store or Play Store. After logging in, navigate to the “Accounts” section. Find the card you want to add the user to and click the button to open the account details page.

Locate the Authorized User Section

Once you’re in the account details, search for the “Control Your Card” drop-down menu at the top of the screen. Hover over this menu and select “Add account user” then, from the two options, select “Authorized user.”

Submit the Request and Wait for Approval.

Fill out the new user's information, which includes their name, date of birth, Social Security number, phone and email address. Note that adding the full Social Security number is optional, but the individual will need to include this information to obtain online access to the account. After entering the information, press “Continue” and wait for approval. If approved, the new card can take 7 to 10 business days to arrive.

Conclusion

Adding an authorized user to a Capital One credit card is a simple way to share access while maintaining complete control over your credit. By following the steps above, you’ll have a new card mailed out within days.