7 Best Cards for Authorized Users in 2024

Adding an authorized user to your credit card can be a win-win situation.

You’ll rack up points and earn welcome bonuses faster, while they’ll build their credit history, enjoy cardholder perks and pay a much-reduced annual fee (if any!).

Yet, just as choosing the right credit card for yourself can be challenging, so too can identifying the best card for you and an authorized user. Not every card offers the same benefits to the authorized user as it does the primary cardholder.

Issuing Banks Rules for Approvals and New Bonuses

This is a living post, continuously updated over time as the miles and points hobby evolves. They change the rules and we have to stay on top of them.
Today I've updated the section about Citi cards to reflect the new sign up bonus eligibility timelines for their AAdvantage co-branded credit cards. If I've left something important out please feel free to let me know in the comments.

Vote for MileValue as Best Miles & Points Blog

MileValue was nominated by USA Today as the Best Miles-and-Points Blog. Through November 6, 2017 at noon ET, you can vote for MileValue here.

You can vote once per day, just by clicking vote without having to give any personal information.

Winning this beauty contest would be nice, but I already feel like a winner. I’ve written a miles-and-points blog for almost five years. My job is to help people achieve lifelong travel dreams.

New United Free One Way Rules as of October 2016

Edited 12/19/16 because of this change.

United Free One Ways are now more powerful than ever. A few weeks ago, United tried to cripple free one ways, but has unintentionally made the new rule that you can add a free one way almost anywhere in the world onto your international awards.

First, a short history lesson.

On October 6, 2016, United drastically changed its stopover rules. Before you could basically book any three one way awards as a "roundtrip award," using your stopover to tack on a free one way or to make a Three One Ways award.

Free Award Night or Pay for Hotel Promo? My Thought Process

This is about the math behind one of my hotel stays. But the same concept applies to all your hotel stays and flights when deciding between an award and cash.

This week I stayed in the Holiday Inn Express in Belgrade, Serbia. The hotel came to my attention because it was a PointBreaks hotel, which means I could buy points for about $29 and book it "for free" with those points. But I ended up paying $61 for a paid night instead to get a big bonus from the current IHG Rewards promo.

Which Is The Best Amex Partner from Here to There?

I get questions all the time like this:
Hi, I have a million American Express Membership Rewards/Chase Ultimate Rewards/Citi ThankYou Points, what is the best transfer partner to go from [here] to [there.]
There are basically two ways to answer the question:

Look at award charts of all the points' transfer partners and then look for award space using the cheapest miles. I used this method to suggest to my friend that he transfer his Membership Rewards to Flying Blue miles to get from Denver to Tel Aviv.

The Beginning Section of a Manual I Created for Award Booking

A few years ago, I created a manual for award booking. I thought the best way to organize it was to explain the key concepts of all awards in the beginning, and then explain each major program in detail afterwards. Here is the first section of the manual--nine key concepts of all award bookings. I've edited it slightly today to make sure it is up to date.

Are there any other key concepts you would add to a manual of award booking?
Key Concept 1
Each type of miles has its own rules.

Guide to Booking United Flights to Hawaii with Singapore KrisFlyer Miles

It is cheaper to book the exact same United flights to Hawaii with Singapore KrisFlyer miles than with United miles.

United charges 22,500 miles each way in economy and 40,000 miles in First Class between the mainland and Hawaii
Singapore charges 17,500 miles each way in economy and 30,000 miles each way in First Class between the mainland and Hawaii

That's a humongous difference. Instead of costing 90,000 United miles to get two people from your home airport to Hawaii and back, you could pay 70,000 Singapore miles.

Cheapest Way to Fly Lufthansa First Class: 40k Points + $203 Europe to USA

Forget paying 110,000 United miles one way for Lufthansa First Class. You can book the same flight for 40,000 points + $203 (and there is even a way to avoid the $203.)

Lufthansa First Class flying from Europe to the United States is a fantastic product.

The onboard First Class product is solid--a step above American carriers and a step below Asian and Middle Eastern carriers.

And the ground experience in Frankfurt is my favorite in the world.

Mega Trip to Three Destinations in South America & Caribbean, Half in Flat Bed for 64,500 Miles Total

You can book yourself a tour around the Caribbean and South America stopping in three places for only 64,500 miles total with half the trip in a flat bed. By stopping in three places, I am referring to actual destinations, not connections that have to be under 24 hours.

This incredible deal relies on piecing together four sweet spots awards into one big trip.