You can share a credit card by adding someone as an authorized user or getting a joint card.

By Pradeep February 28, 2024

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Adding someone as an authorized user is a good idea if you want to help them build credit or need a card for emergencies.

A joint card is better if you want both people to help pay the bills.

With an authorized user, you can control their spending more than with a joint card.

Both people can use the card and must pay back what's spent with a joint card.

It's important to trust the person you're sharing a credit card with.

You can remove an authorized user if needed, but you can't do that with a joint card without closing it.

Joint cards usually don't have extra fees, but adding an authorized user might.

Joint cards are harder to find than the option to add an authorized user.

Discuss how you'll use the card, what's okay to spend on, and payment plans to avoid problems.