How to Add Authorized User on Credit Karma (2026 Guide)
How to Add Authorized User on Credit Karma (2026 Guide)
To add an authorized user on Credit Karma, you can't do it directly through the platform. Instead, contact your credit card issuer to add the user. This guide covers the steps to take, benefits of adding a user, and how it impacts credit scores.
This article is for informational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making major financial decisions.
By Samder Khangarot, Founder of BON Credit | Last updated: April 2026
Credit Karma shows your score. BON acts on it. Your AI agent finds unclaimed money, cuts interest costs, and tells you what to do next — automatically and for free.Download BON →
Understanding Authorized Users
Adding an authorized user means allowing someone to use your credit card account. They get a card in their name, but you're responsible for payments. This can help them build credit. According to the CFPB, authorized users aren't legally responsible for debt incurred.
Steps to Add an Authorized User
- Contact your credit card issuer via phone or online.
- Provide necessary details like the user's name and social security number.
- Confirm the addition of the authorized user and await their card delivery.
Once added, their credit report may reflect your account, impacting their credit positively if you manage it well.
Benefits of Adding an Authorized User
Authorized users can build credit history without having their own credit card. This is beneficial if they're trying to improve their credit score. According to the Federal Reserve, a good credit score can lower borrowing costs by up to $200 annually.
Impact on Credit Scores
Authorized users can see their credit scores rise if the primary account holder makes timely payments and maintains low credit utilization. Credit utilization — the percentage of your credit limit you're using — should ideally be below 30%.
Comparison of Credit Building Options
| Option | Best For | Key Benefit |
|---|---|---|
| Authorized User | Those with no credit history | Builds credit history |
| Secured Credit Card | Individuals with poor credit | Lowers risk for issuers |
| Credit-Builder Loan | Those looking to improve credit mix | Improves credit mix |
Frequently Asked Questions
How does adding an authorized user affect my credit?
If the authorized user misuses the card, it can negatively affect your credit score. However, responsible use benefits both parties.
Can an authorized user build a credit score?
Yes, an authorized user can build a credit score as the account's history reflects on their credit report.
Does Credit Karma add authorized users?
No, Credit Karma cannot add authorized users. You must contact your credit card issuer directly.
How many authorized users can I have?
This depends on your credit card issuer. Some limit the number of users, so check with your issuer.
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Adding an authorized user on a credit card can be a powerful tool for building credit. Ensure responsible usage and timely payments to maximize benefits. Remember, your BON agent can help manage this process, making sure you stay financially healthy.
- Adding an authorized user can boost credit scores for them.
- Good management of the account can save you up to $200 annually.
- Contact your credit card issuer to add an authorized user, not Credit Karma.