Which Credit Cards Let You Set Spending Limits for Authorized Users?

Adding an authorized user to one of your credit card accounts can be a great way to help someone else build credit. If the credit card issuer reports the authorized-user account to the consumer credit reporting agencies (Experian, TransUnion and Equifax), responsible use can help improve the authorized user's credit score. Because you're liable for the authorized user's charges, you may want to set limits on their spending. But not all consumer credit cards allow account holders to do so; business credit cards are more likely to have this feature.
Best credit cards of 2026
Compare cards from our partners with intro bonuses, cash back or points offers, and annual fees as low as $0.
Offers from our partners
Credit One Bank® American Express® for Rebuilding Credit
Ongoing APR:29.74% Variable
Rewards:
1% (cash back)
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Annual Fee:$75 First year. $99 thereafter, billed monthly at $8.25
American Express® Gold Card
Intro bonus:
As High As 100,000 points. Find Out Your Offer.
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Ongoing APR:See Pay Over Time APR
Rewards:
1x - 5x (Points per dollar)
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Annual Fee:$325
Intro bonus:
$200
Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
Ongoing APR:19.74% - 27.74% (Variable)
Rewards:
1x - 3x (Points per dollar)
Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations. Earn 2 ThankYou® Points for every $1 spent at grocery stores and 2 ThankYou® Points for every $1 spent on AT&T products and services. Earn 1 ThankYou® Point for every $1 spent on all other purchases.
Annual Fee:$0
Ongoing APR:35.99%*
Rewards:
1% (cash back)
Cash back will be awarded as points redeemable for a statement credit
Annual Fee:$75 first year; then $99/year
Hilton Honors American Express Surpass® Card
Intro bonus:
130,000 Points
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Ongoing APR:19.74%-28.74% Variable
Rewards:
3x - 12x (Points per dollar)
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Annual Fee:$150
Marriott Bonvoy Bevy® American Express® Card
Intro bonus:
85,000 Bonus Points
Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:19.74%-28.74% Variable
Rewards:
2x - 6x (Points per dollar)
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 4X points at restaurants worldwide and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points). Earn 2X points on all other eligible purchases.
Annual Fee:$250
Ongoing APR:35.99%*
Rewards:
1% (cash back)
Cash back will be awarded as points redeemable for a statement credit
Annual Fee:$75*
Bank of America® Customized Cash Rewards credit card
Intro APR:0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
Ongoing APR:17.74% - 27.74% Variable
Rewards:
1% - 6% (cash back)
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Annual Fee:$0
See all our best credit cards for 2026.
How to Manage Authorized-User Spending
An authorized user is someone you've allowed to make purchases using your credit card account. They receive their own credit card, and their purchases are typically listed separately on your statement. They may be allowed to make their own payments, but you're ultimately the only one responsible for paying the bill.
When you add an authorized user, it's important to consider the risk that they'll overspend and cause your credit card debt to become unmanageable. Setting spending limits is one way to manage an authorized user's spending, protect yourself and help a new credit user stay within their budget.
Few consumer credit cards let you set spending limits. Fortunately, there are other ways to monitor your authorized user's spending:
- Agree on a spending limit together. Discuss why it's important to keep spending within limits that they can pay back, and the consequences if they don't (such as being removed from your account). You should never add an authorized user to your credit card unless you trust them to honor your agreement.
- Regularly review your account. Most credit cards have mobile apps you can download to your phone to keep tabs on your account. Use the app or go online to check your credit card balance and transactions as often as you like.
- Set up alerts. You may be able to receive alerts notifying you when a purchase is made. For example, some Visa cards let you receive text or email alerts for purchases over a certain dollar amount, online purchases or international purchases.
The limitation with this type of monitoring is that it may be too late to undo the charges by the time you notice the overspending. If they can't or won't return the purchases, you'll be liable for paying the tab.
Make sure you know how to remove an authorized user from your account if necessary.
Help Your Authorized User Build Credit
Adding an authorized user to your personal or business credit card account gives them a lot of leeway to view your account details, set up recurring charges, take out cash advances and potentially make big purchases that you'll have to pay for. Before taking such a major step, discuss your expectations with the person to ensure they understand their obligations.
You don't need good credit to become an authorized user, but it's a good idea to have your authorized user check their credit score before getting the card. After using the card for a few months, they should review their credit report to make sure the account is showing up in their credit history, and set up free credit monitoring to watch the account's effect on their credit. By responsibly using your credit account, authorized users can build a credit history, improve their credit score and potentially qualify for a card of their own.
Don’t apply blindly
Apply for credit cards confidently with personalized offers based on your credit profile. Get started with your FICO® Score for free.
See your offersAbout the author
Karen Axelton is Experian’s in-house senior personal finance writer. She has over 20 years of experience as a journalist and has written or ghostwritten content for a variety of financial services companies.
Read more from Karen






