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Credit Cards

Best annual fee credit cards that don't charge authorized user fees

It may not be free to become an authorized user on someone else's credit card account. Here are annual fee cards that don't charge authorized user fees.

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If you're looking to build credit, becoming an authorized user on someone else's credit card is a great option. But it may not be free.

While you can be added to a no annual fee credit card for no extra cost, some cards with fees may charge over $100 per authorized user. Sometimes the perks authorized users receive are worthwhile, but other times it just doesn't make sense to fork over an additional fee.

However, there are annual fee credit cards that don't charge additional fees for authorized users. This is a win-win: Authorized users can build credit and the primary account holder can save money and earn more rewards.

Below, CNBC Select reviews which annual fee cards don't charge authorized user fees.

Annual fee cards without authorized user fees

Chase Sapphire Preferred® Card

  • Primary cardholder annual fee: $95
  • Authorized user fee: $0

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 5X points on Lyft rides through March 2022, and 1X points on all other purchases

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.99% to 22.99% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

American Express® Gold Card

  • Primary cardholder annual fee: $250
  • Authorized user fee: $0 for up to 5 cards, then $35 per card

American Express® Gold Card

On the American Express secure site
  • Rewards

    4X Membership Rewards® points on restaurants (including takeout and delivery, plus, Uber Eats purchases) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

  • Welcome bonus

    60,000 Membership Rewards® points after you spend $4,000 on eligible purchases within the first 6 months from account opening

  • Annual fee

    $250

  • Intro APR

    Not applicable

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

 

Bank of America® Premium Rewards® credit card

  • Primary cardholder annual fee: $95
  • Authorized user fee: $0

Bank of America® Premium Rewards® credit card

  • Rewards

    Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.

  • Welcome bonus

    Receive 50,000 bonus points — a $500 value — after you make at least $3,000 in purchases in the first 90 days of account opening.

  • Annual fee

    $95

  • Intro APR

    N/A

  • Regular APR

    15.99% to 22.99% variable APR on purchases and balance transfers

  • Balance transfer fee

    Either $10 or 3% of the amount of each transaction, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

Information about the Bank of America® Premium Rewards® credit card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Primary cardholder annual fee: $39, waived the first year
  • Authorized user fee: $0

Capital One® QuicksilverOne® Cash Rewards Credit Card

Information about the Capital One® QuicksilverOne® Cash Rewards Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    1.5% cash back on all purchases

  • Welcome bonus

    None

  • Annual fee

    $39

  • Intro APR

    None

  • Regular APR

    26.99% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    Good/Fair

Terms apply.

Capital One Venture Rewards Credit Card

  • Primary cardholder annual fee: $95
  • Authorized user fee: $0

Capital One Venture Rewards Credit Card

Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5X miles on hotel and rental cars booked through Capital One Travel℠, 2X miles per dollar on every other purchase

  • Welcome bonus

    Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    17.24% to 24.49% variable on purchases and balance transfers

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

Capital One Savor Cash Rewards Credit Card

  • Primary cardholder annual fee: $95
  • Authorized user fee: $0

Capital One Savor Cash Rewards Credit Card

Information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

  • Welcome bonus

    Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

  • Annual fee

    $95

  • Intro APR

    0% for the first 12 months on purchases; N/A on balance transfers

  • Regular APR

    15.99% to 24.99% variable

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

What benefits do authorized users get?

The biggest perk is the opportunity to build credit or improve your credit score. Any purchases made by authorized users earn points toward the primary account.

But some cardholder benefits are only available to the primary cardholder and not authorized users. If a card has annual statement credits, for example, those generally only apply once to the primary account. For example, the American Express® Gold Card offers an annual $120 dining credit, but authorized users don't get their own additional $120 credit.

For rates and fees of the American Express® Gold Card, click here.

Information about the Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Venture Rewards Credit Card, and Capital One Savor Cash Rewards Credit Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.