Can you link an authorized user’s card to their address?

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You’ve added a loved one to your card as an authorized user. Maybe because they’re your college-aged child, and you want them to have a card. Maybe you’ve added your spouse so that you can earn more rewards together. Maybe you’re helping someone build their credit.

Whatever the reason, there may be a snag you hadn’t anticipated when your authorized user tries to pay at the pump or buy something online.

When your authorized user uses the card anywhere that address verification is required, the purchase may be rejected. Why? Your authorized user may unthinkingly input their own ZIP code or address when prompted for verification of the billing address. Because the card is linked to the primary accountholder, your authorized user’s address or ZIP is technically incorrect.

So, is it possible to link your authorized user’s address to their copy of the card so that they may use their own information when they make purchases? One of our forum members just posed this very question.

In most cases, the answer is no. We reached out to major issuers and looked at their terms and confirmed that Capital One, Chase, Citi, Discover, Bank of America and Barclaycard all require authorized users to input the main accountholder’s address/ZIP when prompted.

American Express (a CreditCardForum advertising partner) seems to be the outlier. According to a spokesperson, when you add an additional card member to your primary account, American Express will ask for an address to be associated with that additional account. That address can be the same address as the primary account holder’s or different (ie, the authorized user’s own address). Online and at the pump, the additional card member will then input the address/ZIP of THEIR account, rather than the main accountholder’s.

If you don’t have an American Express card, needing your authorized user to input your address is a slight inconvenience. However, there are lots of great reasons to add an authorized user. You can tag-team rewards, help a loved one build credit and sometimes earn a bonus for adding an authorized user. Plus, if your card has elite benefits, such as lounge access and reimbursement for Global Entry, you can often share those with your authorized user.

 
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