Family Credit Card Strategy: Add Authorized User Or Apply Outright?

* 𝖒𝗋𝖾𝖽𝗂𝗍 𝖒𝖺𝗋𝖽 / 𝖑𝖺𝗇𝗄𝗂𝗇𝗀 *
We all have different credit card strategies, which are impacted by what kind of rewards we’re looking for, what categories we spend most in, etc. One question I often get from readers who share finances with others (family members, spouses, etc.) is whether it makes sense to add family members as authorized users to a card you already have, or to have them apply for a card outright, so they’re also a primary cardmember.

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