Question 1

Will primary cardholders receive a new card?

Accepted Answer

No, primary cardholders will not receive a new card. Primary cardholders can continue to use their card, now and after your account moves to Capital One. Additionally, places where a primary cardholder has their current 16-digit card number stored online will continue to work.

Question 2

Will authorized users and joint account holders receive a new card?

Accepted Answer

Yes. Authorized users and joint account holders will receive a new card with their own unique 16-digit card number, mailed to the primary cardholder. We will let the primary cardholder know when the new cards are on their way. Until then, authorized users and joint account holders can continue using their current card.

Question 3

Why will authorized users and joint account holders receive new cards, with unique card numbers?

Accepted Answer

Capital One issues unique 16-digit card numbers to every cardholder on the account. A unique 16-digit card number for authorized users and joint account holders gives primary cardholders more control by making it easy to track purchases by cardholder, lock individual cards and keep tabs on each cardholder’s spending. While each cardholder has a unique 16-digit card number, each card is still linked to the same primary cardholder’s account, including all transactions, balances and rewards.

Question 4

Will authorized user's and joint account holder's cards still be linked to the primary cardholder’s account?

Accepted Answer

Yes. Authorized user and joint account holder cards will continue to be linked to the primary cardholder’s account. All transactions will appear on the primary cardholder’s statement.

Question 5

Will there be any impacts to how authorized users earn rewards or the account rewards balance?

Accepted Answer

No. Rewards earn rates will remain the same and existing Discover card rewards balances will be carried over as part of the move to Capital One. Rewards earned by authorized users and joint account holders will continue to be added to the account rewards balance.

Question 6

What access will authorized users have to manage the account with the move to Capital One?

Accepted Answer

Eligible authorized users will be able to set up online account access with Capital One after they receive their new card. Authorized users will be able to manage their own transactions and make one-time payments on the primary cardholder’s account.

Please note: Authorized users must be at least 18 years old to be eligible for online access. Setting up an online account requires verification of the authorized user’s Social Security number. Not all authorized users will be eligible.

Question 7

What permissions will joint account holders have to manage the account with the move to Capital One?

Accepted Answer

Joint account holders will have similar permissions to primary cardholders and can continue to manage their account by calling the number on the back of their card.

Question 8

When will authorized users and joint account holders receive new cards?

Accepted Answer

New cards for authorized users and joint account holders will be mailed to primary cardholders after the account moves to Capital One. We will send more details about card delivery timing as it becomes available.

Question 9

Will authorized users and joint account holders keep their existing card design?

Accepted Answer

Most authorized users and joint account holders will keep their existing card design. Card designs are based on availability.

Question 10

Will primary cardholders still see all transactions on the monthly statement?

Accepted Answer

Yes. Primary cardholders will continue to see all transactions on the monthly statement and will be able to track spending on the account by card number.

Question 11

Do authorized users and joint account holders need to update their card number where it is stored as a card on file?

Accepted Answer

No. Because the primary cardholder card number is not changing, authorized users and joint account holders do not need to update their card number where it is stored as a card on file.

Question 12

How can I tell if a cardholder is a joint account holder or an authorized user?

Accepted Answer

If there is a joint account holder on the account, both names will typically appear above the address on the monthly statement.

Question 13

Will authorized users be able to manage the primary cardholder’s account?

Accepted Answer

Authorized users will have limited access to manage the primary cardholder’s account. For example, they will be able to manage transactions they make on their own card and make one-time payments on the primary cardholder’s account.

Question 14

Will authorized users be able to make payments on the primary cardholder’s account?

Accepted Answer

Authorized users will be able to make one-time payments on the Capital One website or app or by phone after the account moves to Capital One.

Please note: Authorized users must be at least 18 years old to be eligible for online access. Setting up an online account requires verification of the authorized user’s Social Security number. Not all authorized users will be eligible.

Question 15

Why are there different role types at Capital One?

Accepted Answer

Capital One offers additional role types of authorized user and account manager, in addition to one primary cardholder on the account. Primary cardholders can choose which access level best fits their additional user’s needs. An authorized user has limited access to the account, while an account manager has almost the same access as the primary cardholder.

Please note: You can’t change a joint account holder’s role or make one of your users a joint account holder. Capital One no longer offers new joint credit card accounts.

Question 16

What if the primary cardholder wants an authorized user to have broader access to manage the primary cardholder’s account?

Accepted Answer

The primary cardholder can give one authorized user on the account a higher level of access to be an account manager. Often a trusted partner, account managers can view all account transactions, set up account payment preferences, including AutoPay, and view and redeem rewards.

To set up this account manager upgrade ahead of the transition to Capital One, the primary cardholder can visit the 'Manage Authorized User' page on the Discover site. To be eligible, the person being added as an account manager must be at least 18 years old with a verified Social Security number.

Question 17

Will authorized users have access to any new benefits from Capital One?

Accepted Answer

Yes. With online access, authorized users and account managers will have access to:

Capital One Travel: Earn 5% cash back or 5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel.

Capital One Entertainment: Earn 5% cash back or 5X miles on tickets and events booked through Capital One Entertainment.

Capital One Offers: Earn up to 15% cash back or 15X miles when shopping online directly through Capital One Offers.

What’s staying the same for you

What's new with additional users

TOPIC

Authorized users

ROLE TYPES

Does your authorized user have the right access level?

Make one authorized user an account manager

Spend with their own card number

Footnotes