Should You Add An Authorized User To Your Chase Sapphire Reserve?

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Jun 14, 2024

Adding authorized users to your account can be both a blessing and a curse, no matter which card you hold. It’s an easy way to keep track of all household spending in one place and extend credit to someone who may not qualify on their own. However, it’s also a risk—ultimately, you’re on the hook for all purchases or your credit rating will be on the line.

With the Chase Sapphire Reserve®, adding an authorized user may be even more impactful. The second (or third) cardholder gets many of the same perks as the primary member, including benefits like a Priority Pass airport lounge membership and complimentary travel protections on eligible trips.

Still, this isn’t a decision to be taken lightly. Before adding an authorized user to your Chase Sapphire Reserve account, it’s imperative to consider the costs, benefits, and downsides.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.