At a Glance

Adding an authorized user to your Wells Fargo credit card can be a strategic move that benefits you and your loved ones. It offers a pathway to improved credit scores, rewards accumulation, and shared financial responsibility. However, it’s essential to consider the potential drawbacks as well. Let’s discuss the process of adding an authorized user, the pros and cons associated with this decision, and address common questions surrounding Wells Fargo’s credit card policies.

In this article, you’ll learn:



The proportion of authorized users that have a credit score under 600. Compared to 24.6% of people who are not authorized users with a credit score sub 600.

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How to add an authorized user to your Wells Fargo credit card?

By adding an authorized user to your Wells Fargo credit card, you extend the privilege of making purchases under your account. As the primary cardholder, you can initiate this process by contacting Wells Fargo’s customer service or visiting their online platform. Once the authorized user is added, they’ll receive their card linked to your account, and their spending activity will be recorded alongside yours.

Should you add an authorized user to your Wells Fargo card?

One of the primary advantages of adding an authorized user is the potential credit score boost. Timely payments made on your Wells Fargo card are reported to national credit bureaus, positively impacting both your credit score and that of your authorized user. This particularly benefits individuals looking to repair damaged credit or establish a credit history. Young adults with limited credit experience can benefit from this arrangement, allowing them to build credit without the need to qualify for their card.

Additionally, adding authorized users can amplify your rewards strategy. Their purchases contribute to the accumulation of your reward, enhancing your chances of earning cash-back bonuses and other perks at an accelerated pace.

However, there are considerations to be aware of. Taking on an authorized user means taking on shared financial responsibility. You become accountable for their charges, which could disrupt your budget if they fail to reimburse you for their expenses. Furthermore, there’s a potential downside to your credit score if your authorized users contribute to a higher credit utilization ratio. Your credit score could be improved if you accumulate substantial charges and repay them promptly.

Recognizing that your payment behavior also affects your authorized users’ credit scores is crucial. Late payments can result in significant credit score drops for both parties. Therefore, adding authorized users should only be done if you’re confident in your ability to consistently make on-time credit card payments.

Does Wells Fargo report authorized users to credit bureaus?

Yes, Wells Fargo reports authorized users’ activity to credit bureaus. This means that their spending behavior, whether positive or negative, will impact their credit history and potentially yours as well.

Will adding an authorized user affect your credit score?

Adding an authorized user can influence your credit score in multiple ways. On the one hand, responsible use by the authorized user and timely payments can contribute positively to your credit score. On the other hand, if there are overspending or delayed payments, your credit score could be negatively affected. It’s a delicate balance that hinges on prudent financial management.

Learn more: Do Authorized Users Affect Your Credit?


Wells Fargo typically does not charge a fee for adding an authorized user to your credit card account. However, confirming this with Wells Fargo customer service or checking their official policy is advisable.

Yes, Wells Fargo offers joint credit card applications, allowing two individuals to share equal responsibility for the credit card account. This differs from adding an authorized user, as joint account holders are equally liable for charges and payments.

Yes, Wells Fargo usually provides an online platform where you can easily add authorized users to your credit card account. This streamlined process offers convenience and efficiency.

Managing an authorized user on your Wells Fargo account involves monitoring their spending, ensuring timely repayment for their charges, and maintaining consistent on-time payments to safeguard both parties’ credit scores. Regular communication and financial transparency are key to a successful partnership.