How to Add Your Spouse to a Chase Credit Card

Adding a spouse to your Chase credit card can simplify household financial management, allowing for shared access to credit and streamlined spending. Many primary cardholders consider this option to consolidate expenses or help their spouse build a credit history. Understanding the implications and procedural steps involved is important for effective financial planning.

Understanding Cardholder Roles

For shared credit card access with Chase, understand the distinctions between an authorized user and a joint account holder. An authorized user receives a card in their name and can make purchases, but they are not legally responsible for the debt incurred on the account. The primary cardholder retains full financial responsibility for all balances and payments. This arrangement means the primary cardholder’s payment history and account management directly influence the authorized user’s credit report.

Chase does not offer joint credit card accounts for their standard consumer credit cards. In a joint account, both individuals share equal legal responsibility for the debt, and the account’s activity impacts both of their credit histories equally. While Chase permits joint accounts for other banking products like checking accounts, the typical method for sharing a consumer credit card is through the authorized user designation. This distinction means that while your spouse can use the card, the legal obligation for repayment remains solely with you as the primary cardholder.

Gathering Required Information

Before initiating the process of adding your spouse as an authorized user, it is important to gather specific personal details. The necessary details typically include your spouse’s full legal name, their date of birth, and their current address.

In addition to these identifying details, you will also need your spouse’s Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), if applicable. This information is important for Chase to report the authorized user’s account activity to the major credit bureaus. Providing all required information ensures the authorized user’s credit history can be positively impacted by responsible account management.

Adding a Spouse to Your Chase Credit Card

Adding your spouse as an authorized user to your Chase credit card can be completed through several convenient methods. One common approach is to utilize Chase’s online banking portal. After logging into your account, navigate to the “Accounts” section, then select “More,” and proceed to “Account Services.” From there, you will find the option to “Add an authorized user,” where you can input the previously gathered information into the designated fields and confirm the addition.

Alternatively, you can add an authorized user by contacting Chase customer service directly by phone. The phone number for your card is typically on the back. When calling, be prepared to provide the same personal details for your spouse as you would online, and the representative will guide you through the process. While less common for this specific task, visiting a local Chase branch is another potential option, where bank representatives can assist you in person.

Post-Addition Information

Once your spouse has been successfully added as an authorized user, a new physical credit card will be issued in their name. This card is typically mailed to the primary cardholder’s address, though in some cases, it can be sent directly to the authorized user’s address if specified during the setup. The new card typically arrives within 7 to 10 business days.

Upon receipt, the authorized user’s card will need to be activated before it can be used for purchases. Activation can be completed online or by calling the toll-free number provided with the card. Account activity, including payments and credit utilization, is reported to the three major credit bureaus—Equifax, Experian, and TransUnion—which can help establish or build the authorized user’s credit history. Authorized users share the primary cardholder’s existing credit limit. While separate spending limits are not typically available for personal Chase credit cards, you can monitor their transactions online.