Add an Account User

Give access to someone you trust.

Add Account User

Authorized User

An Authorized User is someone you add to your account without any additional application or credit check. They’ll get a card with their name on it and share your line of credit.

Authorized Users can log in with their own credentials, view, download and print their own purchases, and book through Capital One Travel and earn rewards if eligible. The Authorized User must have a valid SSN and be over the age of 18 to qualify for online access.

Account Manager

An Account Manager is a type of Authorized User who has near-equal access as you. By using their own card and login, they can help you manage the account. They’ll be able to track purchases and report issues. Plus, they can earn and redeem rewards if you have a rewards card.

As the primary cardholder, you’ll still be responsible for all charges made on the account.

Here’s a few suggested ways you can think about your account users.

Running a household takes serious coordination. Now you can make life a little simpler.

When you add a partner or trusted individual as an Account Manager, they’ll be able to review all transactions, redeem rewards, easily make payments and more. With the Capital One mobile app ¹ , you can keep track of your spending in real time. Enable instant purchase notifications to see who bought what and easily sort purchases by category. ² Have a rewards card? You'll also earn on every dollar they spend.

Whether your child is off to college or living at home, make sure they can access funds when needed.

When you add a child as an Authorized User you can keep track of their spending in real time. Enable instant purchase notifications and receive real-time alerts through the Capital One mobile app. ¹ If you have a rewards card, you’ll earn on every dollar they spend.

With responsible card use and on time payments, your positive credit score may be able to help your Authorized User to build their credit. For more tips, our CreditWise app can help them access and understand their credit score—whether they’re a cardholder or not.

Adding people you count on can help out in unexpected ways.

Need the nanny to pick up dinner at the last minute? Asking your trusted dogsitter to stay over while you’re out of town? Add them as an Authorized User so they’ll have access to funds when you’re tied up elsewhere. Use the Capital One mobile app ¹ to enable instant purchase notifications to keep an eye on things with real-time purchase alerts. Plus, you can instantly lock their card at any time and turn it back on whenever it's needed. ³

Ready to add someone
to your account?

Follow these quick and easy steps.

Tell us their name, phone number and other details.

Double-check the info is correct.

That’s it! We’ll send you a card for them to start using right away.

Add Account User

Got questions? We’ve got answers.

What is an Authorized User?

An Authorized User is someone you’ve added to your account without needing an application or credit check. They have access to your credit line and receive their own card to use, but are not responsible for payments.

What is an Account Manager?

An Account Manager is a type of Authorized User who has near-equal access as you including the ability to set up their own login to manage the account online.

Whose credit score will be affected?

Adding a user won’t impact your credit score—only the usual factors like payment history and available credit do that. As long as you and your user use your card responsibly and make payments on time, these actions can have a positive impact on your user’s score. And responsible card use and on time payments may help your user build credit.

To keep an eye on your credit, check out CreditWise from Capital One. It’s free for everyone, even if you don’t have a Capital One credit card.

How much does it cost to add a user?

Not a thing. There are no additional fees to add a user to your account.

The benefits described pertain to Capital One branded consumer credit cards and may not be available with small business, co-brand and retail partner cards.

Online access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.

To receive instant purchase notifications, you must turn them on in the Capital One mobile app and enable push notifications in your device settings.

With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.