Chase Sapphire Reserve Authorized User Benefits and Requirements

To be an authorized user on a Chase Sapphire Reserve card, the primary cardholder must have an excellent credit score, with a minimum credit score of 700.

The primary cardholder must also have a good income and a stable employment history.

You can be an authorized user on a Chase Sapphire Reserve card if you're a family member or business partner of the primary cardholder.

Authorized users do not have to pay an annual fee, which is a significant perk of being added to a Chase Sapphire Reserve card.

Adding an authorized user to your Chase Sapphire Reserve card can bring numerous benefits to your financial life.

Helping to build credit is one of the most significant advantages of adding an authorized user. The account history reports on the authorized user's credit report, potentially helping them establish or improve their credit score.

Earning more rewards is another perk of having authorized users. Purchases made by authorized users earn rewards, allowing you to accumulate points or cashback faster.

Discover more: How Do Authorized Users Work on Credit Cards

Having multiple users on one account can simplify household finances. Combining spending on one account can make budgeting and expense tracking easier.

Providing financial access is also a benefit of adding an authorized user. It's a way to give trusted individuals spending power without opening a new account.

Here are the benefits of adding an authorized user at a glance:

Adding an authorized user to your Chase Sapphire Reserve card is a great way to help them build credit, earn rewards, and simplify household finances. You can add an authorized user by logging in to your Chase online account and following a few simple steps.

The process is straightforward, and you can do it online. To add an authorized user, log in to your Chase online account, select the credit card account you want to share, and click on "More" and then "Account services."

Here are the specific steps to add an authorized user:

Once you've added an authorized user, they'll receive a new card in the mail, and you'll all be enrolled in Priority Pass, a valuable travel benefit that comes with the Chase Sapphire Reserve card.

Adding an authorized user to your Chase Sapphire Reserve card can be a great way to help them build credit, earn rewards, and simplify household finances. However, it's essential to consider the potential risks involved.

You're liable for all charges made by authorized users, so be cautious when adding someone to your account.

Late payments or high balances can affect both your credit score and the authorized user's, so make sure to communicate with them about payment responsibilities.

Authorized users could overspend or use the card irresponsibly, so it's crucial to have an open conversation with them about responsible spending habits.

Here are some key risks to consider when adding an authorized user to your Chase Sapphire Reserve card:

Removing an Authorized User from Your Chase Sapphire Reserve Credit Card is a relatively straightforward process. You can initiate the removal process by calling Chase using the number on the back of your credit card.

To do this, simply inform the representative that you want to remove an authorized user. You'll need to provide the necessary account information and the name of the authorized user you wish to remove.

Alternatively, you can send a secure message through your Chase online account. To do this, log in to your Chase account, click on the "Main Menu" icon, and go to your secure messages inbox.

Compose a new message detailing which authorized user you want to remove from which account.

Additional reading: Discover Secure Card Do They Check Credit

The Chase Sapphire Reserve card offers a range of benefits, including a $300 annual travel credit, which can be used to reimburse the first $300 in travel purchases each year. This can be a huge help when planning a big trip.

One of the biggest perks of the Sapphire Reserve is its Priority Pass Select membership, which gives cardholders access to over 1,200 airport lounges worldwide. This includes the new Chase Sapphire Lounge by The Club, which has several locations across the US.

Cardholders also receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to their Sapphire Reserve card for Global Entry, TSA PreCheck, or NEXUS. This can be a huge time-saver when traveling.

DoorDash & Caviar Benefits are also included with the Sapphire Reserve, such as a complimentary DashPass membership on both DoorDash and Caviar and a $5 monthly DoorDash credit automatically applied at checkout.

Here are some of the key benefits of the Chase Sapphire Reserve card:

These benefits can be a huge help when traveling and can make a big impact on your wallet.