Our top picks of timely offers from our partners

More details
CIT Bank
Learn More
Terms Apply
Earn 15x the national average with a Savings Connect account. Member FDIC
Rocket Mortgage
Learn More
Terms Apply
Rates could continue to rise - look into refinancing with one of our top picks.
One of the longest intro APR periods on purchases and balance transfers
Rocket Money
Learn More
Terms Apply
Track your spending and net worth, and cancel unwanted subscriptions
Chime
Learn More
Terms Apply
No late fees, no monthly service fees, and get paid up to 2 days early with direct deposit
Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers. Read more about Select on CNBC and on NBC News, and click here to read our full advertiser disclosure.
Getty Images
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.

Share

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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. Sometimes, these cards also offer bonuses for adding 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

Subscribe to the Select Newsletter!

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.

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, 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. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    19.74% - 26.74% 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*

*see rates and fees

American Express® Gold Card

On the American Express secure site
  • Rewards

    4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) 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

    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases within the first 6 months of card membership

  • Annual fee

    $250

  • Intro APR

    Not applicable

  • Regular APR

    19.74%-26.74% Variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

 

Capital One Venture X Rewards Credit Card

  • Primary cardholder annual fee: $395
  • Authorized user fee: $0

Capital One Venture X Rewards Credit Card

On Capital One's secure site
  • Rewards

    10X miles on hotels and rental cars, 5X miles on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

  • Annual fee

    $395

  • Intro APR

    None

  • Regular APR

    19.99% - 26.99% variable APR

  • Balance transfer fee

    0% at the regular transfer APR

  • Foreign transaction fees

    None

  • Credit needed

    Excellent

Terms apply.

Pro tip: Capital One Venture X authorized users receive many of the same perks as the primary cardholders, including airport lounge access and Hertz elite status.

Capital One Venture Rewards Credit Card

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

Capital One Venture Rewards Credit Card

On Capital One's secure site
  • Rewards

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

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    18.99% - 26.99% variable

  • Balance transfer fee

    0% at the regular transfer 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

    None

  • Regular APR

    18.99% - 26.99% 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.

 

Capital One QuicksilverOne Cash Rewards Credit Card

  • Primary cardholder annual fee: $39
  • 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 Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Unlimited 1.5% cash back on every purchase, up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  • Welcome bonus

    None

  • Annual fee

    $39

  • Intro APR

    None

  • Regular APR

    28.49% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    Average, Fair, or Limited

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

    18.99% - 25.99% 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.

United℠ Explorer Card

  • Primary cardholder annual fee: $95 (waived for the first year)
  • Authorized user fee: $0

United℠ Explorer Card

On Chase's secure site
  • Rewards

    2 miles per $1 spent on United purchases; 2 miles per $1 spent on dining, eligible delivery services and hotel stays; 1 mile earned on every $1 spent on all other purchases

  • Welcome bonus

    Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

  • Annual fee

    $0 intro annual fee for the first year, then $95

  • Intro APR

    None

  • Regular APR

    20.24% - 27.24% variable

  • Balance transfer fee

    5%, minimum $5

  • Foreign transaction fees

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

Pro tip: Targeted United Explorer cardholders may be eligible to earn 2,500 bonus miles for adding an authorized user.

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. However, the Capital One Venture X Rewards Credit Card's airport lounge benefits do extend to authorized users.

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

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.
See if you're approved for a loan
Learn More
Terms Apply
Match with lenders that best fit your needs with our personal loan marketplace
Find the best credit card for you
Learn More
Terms Apply
Check out our credit card marketplace to compare options or read about our top picks