Removing Yourself As An Authorized User
"Empowering Your Credit Score: When And How To Disconnect From An Authorized User Status"
Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
2X miles for every $1 spent on gas, transit and streaming services purchases.
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
**2X **points on dining and travel purchases
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.
Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
Full United Club membership
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need — anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Covers your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025.
Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and bene?ts – activate by Dec 31, 2024. Membership auto renews annually.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.
Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024.. With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout.
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Auto Rental Collision Damage Waiver — Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.
Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Get free additional warranty and protection on eligible items that you purchase with your card.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
50% savings on eligible inflight purchases on JetBlue-operated flights
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
15% off the non-discounted price of select guided tours at the Disneyland® and Walt Disney World® Resorts when you use your credit card to purchase.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Redeem Rewards Dollars for a statement credit toward airline travel.
Redeem points sooner when you transfer points between your business and personal Altitude credit cards.
Coverage is provided in excess of other insurances against damage or loss to a rental vehicle in the USA & Canada. Coverage applies when the entire rental fee is charged to your Card.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your card.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Get 10% back as a statement credit when you book a Carnival shore excursion on carnival.com prior to your cruise
You receive 5 qualifying night credits towards your next tier status every year.
10% off select credit card purchases at shopDisney.com.
Special access to unforgettable experiences – from fine wine and food events, luxury hotels and premium car rental service to sporting events, shopping and more.
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.
Gain peace of mind 24/7 with fraud monitoring, shopping protection, and assistance while traveling with trip delays, cancellations, interruptions and more.
Earn toward Mosaic with every purchase
Up to $200,000 in coverage. Provides accidental death and dismemberment coverage.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account.
Extended Warranty Protection will add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card
Up to $1,000,000 in coverage. Provides accidental death and dismemberment coverage.
Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.
Cash 365™ American Express® Cardholders are eligible to receive up to $50,000 reimbursement for repair or replacement of a rented automobile as a result of damage or loss to the rented automobile anywhere in the United State and Canada. Coverage applies provided the entire rental fee for the rental automobile has been charged to your Cash 365™ American Express® Card. Certain exclusions, restrictions, and limitations apply.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Receive one free night at any Category 1'4 Hyatt hotel or resort every year after your cardmember anniversary. Plus, an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
With our Venture and VentureOne miles rewards cards, transfer your miles to your choice of 15+ travel loyalty programs for more flexibility
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that’s enough for up to one free night at participating properties.
Earn 5,000 bonus points each year after your JetBlue Business Card account anniversary
For annual streaming service purchases like Netflix and Spotify®
Up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.
Terms Apply. Enrollment required for select benefits. The Hotel Collection requires a minimum two-night stay.
50% savings on eligible inflight purchases on JetBlue-operated flights
Get up to $300 with the Return Protection benefit on eligible items purchased entirely with your Cash 365™ American Express® Card. If a cardmember attempts to return an eligible item within ninety (90) days from the date of purchase and the merchant will not accept it in accordance with its return policies, you may be eligible for a refund.
10% off select credit card purchases at shopDisney.com.
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services.
Save time and be more productive with early access to overheads bins.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Earn toward Mosaic with every purchase
When you purchase your travel ticket with your USAA card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.
Redeem 10% fewer Wyndham Rewards points for go free® awards.
Provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire fare is charged to your Card. Travel Accident Insurance provides coverage up to $250,000.
Earn 2% back in the top two categories where you spend the most each month automatically.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Receive World of Hyatt Discoverist status for as long as your account is open.
Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
50% savings on eligible inflight purchases on JetBlue-operated flights
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Redeem for statement credits toward any Carnival purchase, onboard experiences, and more. Redemptions start at 5,000 FunPoints® for a $50 statement credit toward a Carnival Cruise Line purchase in the last 180 days
Up to $1,500 per trip. Maximum of $5,000 per card, per year.
Up to $120 in statement credits to reimburse your application fee once every four years.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
For eligible products purchased entirely with Card, Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty of 1 year or less.
Give the gift of Discoverist status to up to five employees.
Provides valuable features that help you manage, use, and extend the warranties for eligible items purchases
Get tools to help keep you informed of threats that may affect your identity.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more with your JetBlue Business Card. Limit one statement credit per calendar year
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get your $150 annual fee refunded every year you spend at least $150,000.
Means you won't be held responsible for unauthorized charges made with your card or account information.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.
Transfer your miles to any of our 15+ travel loyalty programs.
Receive an annual $300 credit for bookings through Capital One Travel.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
With our Venture X, Venture and VentureOne miles rewards cards, transfer your miles to your choice of 15+ travel loyalty programs for more flexibility.
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get free additional warranty and protection on eligible items that you purchase with your card.
Go through airport security and customs more quickly with Venture X Business. Receive up to a $100 statement credit on Global Entry or TSA PreCheck®
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Elevate your travel experience by visiting one of the global lounge locations in our Partner Lounge Network.
Skip the rental counter and choose from a wider selection of cars with Venture
Receive up to a $100 credit for Global Entry or TSA PreCheck®
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
"Empowering Your Credit Score: When And How To Disconnect From An Authorized User Status"
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One of the most popular ways to kickstart your credit journey is by becoming an authorized user on someone else's credit card – typically, a parent's, spouse's, or friend's card. It's an excellent method for building credit, as it allows you to leverage their established credit history (find more details in this post). However, as your credit history matures, it's crucial to consider removing yourself from that authorized user card. Why, you ask? Just as being an authorized user can bolster your credit, it can also harm it. If the primary cardholder experiences late payments or carries a high balance, your credit score will feel the impact because you're connected to the account as an authorized user.
So, when should you make the decision to cut ties with being an authorized user? Here are some key indicators:
If any of the above conditions apply to your situation, it's wise to take steps to remove yourself as an authorized user and ensure the account no longer appears on your credit report. Here's a step-by-step guide:
Step #1: Contact the bank's customer service to request removal from the authorized user status on the account.
Step #2: Get in touch with the bank and ask to speak with their credit reporting department. Clearly state that the account they're reporting is not yours, you're not responsible for the balance or payments, and request its immediate removal from your credit report. Make sure to request a confirmation letter from them acknowledging the removal.
For convenience, here are the phone numbers to bank credit bureau departments:
Step #3: Over the next 30 days, closely monitor your credit. You can do this easily and for free using platforms like Credit Karma or WalletHub. Ensure that the authorized user account vanishes from your credit report entirely. The mark "terminated" isn't sufficient; it must disappear. If it lingers after 30 days, repeat Step #2.
For those applying for a mortgage, once you obtain the bank's confirmation letter stating the removal of the authorized user account from your report, request your mortgage broker to perform a rapid rescore. This should automatically update your credit file within 48 hours.
By following these steps, you can expertly manage your authorized user status and take charge of your credit journey with confidence.
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