Give access to someone you trust.

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.

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.

Got questions? We’ve got answers.

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.

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.

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.

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