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Credit Cards Give Rewards Boost for Adding an Authorized User

Credit Card Basics, Credit Cards, Rewards Credit Cards
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Rewards Boost for Adding an Authorized User

The Nerds love bonuses, not only the ones you may get when signing up for a rewards credit cards, but also those that come when you add an authorized user to credit accounts. Here are three credit cards issued by Chase that reward you with extra cash, points or miles for adding an authorized user.

» MORE: Credit cards that help authorized users build credit

Chase Freedom®

If cash back is the name of your rewards game, the Chase Freedom® is a good card to check out. It gives 5% cash back on up to $1,500 in spending per quarter on rotating bonus categories:

Chase Freedom® bonus rewards categories for 2017
Q1 (Jan. 1 - March 31)Gas stations and local commuter transportation (not including parking, tolls or Amtrak)
Q2 (April 1 - June 30)Grocery stores and drugstores
Q3 (July 1 – Sept. 30)"Summer Fun" (details TBA)
Q4 (Oct. 1 – Dec. 31)"Holiday" (details TBA)

For all other purchases, you’ll earn 1% back. The Chase Freedom® offers a signup bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

The card’s annual fee is $0 and there are foreign transaction fees of 3% — so this isn’t a good card to bring overseas. There’s an introductory APR of 0% on purchases and transfers for 15 months. The Chase Freedom® is fantastic paired with our next card, the Chase Sapphire Preferred® Card, because its points can be transferred to the Chase Sapphire Preferred® Card account and redeemed for travel at a rate of 1.25 cents per point.

Chase Sapphire Preferred® Card

If you’re suffering from wanderlust, the Chase Sapphire Preferred® Card is a fantastic travel card. It offers 2X points on travel and dining at restaurants and 1 point per $1 spent on everything else. There’s a killer signup bonus, too: 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®. You’ll get an additional 5,000 points when you add an authorized user and make a purchase in the first three months.

Points are best redeemed for travel, either through Chase Ultimate Rewards at a rate of 1.25 cents per point or transferred to one of Chase’s partner programs for a value of 1.25-5 cents per point. As noted above, if you have the Chase Freedom® and the Chase Sapphire Preferred® Card, you can take advantage of the 5% bonus categories and transfer the points for high value travel redemption.

The Chase Sapphire Preferred® Card has an $0 for the first year, then $95, and no foreign transaction fees. It’s a great card to use for domestic and international travel, since its equipped with an EMV chip for more secure transactions wherever chip-enabled cards are accepted.

United MileagePlus® Explorer Card

If United is your airline carrier of choice, the United MileagePlus® Explorer Card is worth checking out. It offers 2 miles on every dollar spent on tickets purchased from United and 1 mile per dollar spent elsewhere. The card also has a signup bonus: Special offer: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. In case that’s not enough, you’ll enjoy an additional 5,000 miles if you add an authorized user and make a purchase in the first three months.

The perks don’t end there: You’ll receive an additional 10,000 miles each year you spend at least $25,000. And if you pay for tickets with the card, you’ll get a free checked bag for you and a companion on your reservation, plus priority boarding.

The United MileagePlus® Explorer Card has a $95 annual fee and no foreign transaction fees. Bon voyage!

Image via iStock.