Discover Card Help Center

Add Another User to Account

Learn how to add another user to your Discover card account.
Add a User
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What is an Authorized User?

An Authorized User is someone you add to your account without an additional credit check. They'll get a card with their name on it and share your charging privileges (up to your available line of credit). The primary cardholder and any secondary cardholder are responsible for all charges made on the account, including by the Authorized User. The Authorized User is not responsible for paying the charges.

Will I earn rewards on purchases made by my Authorized User?

Yes, you will earn the same rewards made by your Authorized User.

How do I add an Authorized User to my Discover card account?

You can add an Authorized User by logging in to Account Center, clicking on "Manage” and then clicking on “Manage Authorized Users.”

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What information do I need in order to add an Authorized User to my Discover card account?

It is our practice to verify the identity of all users of a Discover card account. To do so, we require you to provide the first and last name, address, date of birth and social security number for all Authorized Users added to your Discover card account.

NOTE: This information helps us better understand our customers and those who are authorized to use accounts.

Will my credit score or Authorized User's credit score be affected when I add them to my account?

Adding a user won't impact your credit score. However, the primary cardholder and any secondary cardholder are responsible for timely paying on the account under the account terms, including as to charges made by the Authorized User. When you add a friend or family member as an Authorized User to your Discover card, you may help them build a credit history, with responsible use.

Discover reports the account credit history to the three major credit bureaus as to you and as to the Authorized User. This can help build the Authorized User's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User's ability to build credit.

Is there a limit to the number of users I can add to my account?

You can add a maximum of 5 users to your account. We will monitor the number and frequency of adding and removing Authorized Users.

What can/can't Authorized Users do on my account?

Authorized Users can report any lost or stolen cards, request additional cards, obtain account information, initiate billing disputes, request statement copies, make payments, inquire about fees, complete a BT or cash advance or remove themselves at any time.

Authorized Users cannot close the account, add another Authorized User, change an address, increase the credit line, request a lower annual percentage rate (APR), change a personal identification number (PIN), request account center assistance, change account information such as address, or set up direct pay.

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