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Chase Sapphire Reserve authorized user benefits

Take advantage of major benefits when you add an extra cardholder


The Chase Sapphire Reserve card comes with numerous perks that can help justify the annual fee, and authorized users can take advantage of several major benefits.

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There are plenty of reasons to consider becoming an authorized user on another person’s credit card account, and this includes the potential to boost your credit score. Being an authorized user can also help you get your hands on a card you couldn’t qualify for on your own, and you can earn generous points on your spending that will pool in the main cardholder’s rewards account.

On the other end of the spectrum, adding an authorized user to your own account can help you earn more rewards over time. You can also keep all your spending in one account for the sake of simplicity, which can make sense if you want to pay just one credit card bill for yourself and your partner or a young adult.

Some rewards credit cards even extend some important cardholder benefits to authorized users – and for a much lower annual fee than is required for the primary account. The Chase Sapphire Reserve is one such card. You’ll only pay $75 per year for an authorized user to be added to your account, but the secondary user can glean much more than that in value.

See related: Chase Sapphire Reserve benefits guide

Chase Sapphire Reserve: At a glance

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Why should you get this card? 

The price of admission for this luxury card is steep, but its large sign-up bonus and generous travel allowance more than make up for the annual fee.

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Other things to know: 

  • Earn 50,000 points (worth $750 in travel in the Ultimate Rewards portal) when you spend $4,000 on your card within 3 months of account opening
  • Earn 3 points per dollar on travel and dining (excluding purchases covered by travel credit) and 1 point per dollar on other purchases; also earn 10 points per dollar on Lyft purchases through March 2022
  • $550 annual fee
  • Up to $300 annual travel credit
  • Qualify for Priority Pass Select airport lounge membership
  • Receive up to $60 in credits for DoorDash in 2020 and 2021
  • Up to $100 toward Global Entry or TSA Precheck application
  • Free Lyft Pink membership

Which benefits are extended to additional cardholders?

The Chase Sapphire Reserve offers too many elite perks and benefits to count, which is why the primary cardholder is asked to pay an annual fee of $550. But some of the perks apply to the $75 authorized user account, and we’ve outlined each of them below.

BenefitDo authorized users qualify?
Earning rewards pointsYes; all points are pooled into the primary cardholder’s account
Introductory bonusNo; only the primary cardholder earns the introductory bonus
Priority Pass Select airport lounge membershipYes; both the primary cardholder and the authorized user can enroll in Priority Pass and have their own membership
Global Entry or TSA Precheck creditYes; this credit can apply to any Global Entry or TSA Precheck membership charged to the primary cardholder’s account or the authorized user account, but there is only one credit
$300 annual travel creditYes; charges made on an authorized user card are eligible, but there is no extra credit
DoorDash creditsYes; these credits can apply to authorized user purchases, but there is no extra credit
Lyft Pink membershipYes; authorized users can enroll for their own membership
Travel insurance benefits like trip cancellation and interruption insuranceYes; important travel insurance benefits apply to trips charges to authorized user accounts

One of the most valuable perks for authorized users is the Priority Pass Select airport lounge membership, which is worth approximately $429 if you purchase a similar membership on its own. This membership lets users access more than 1,300 airport lounges worldwide, and while the primary cardholder is allowed to bring two guests into the lounge with them, an authorized user may want their own membership if they travel alone.

How much does it cost to add an authorized user to the Chase Sapphire Reserve?

Adding an authorized user to your Chase Sapphire Reserve account will set you back $75 per year. You can add multiple authorized users to your account, although a separate charge will apply for each card. To add four authorized users to your account, for example, you would need to pay an additional $300 per year on top of the annual fee for the primary account.

How to add an authorized user on the Chase Sapphire Reserve

All you have to do to add an authorized user to your Chase card is log into your online account management page with Chase. From there, you can click on “things you can do” and select “add an authorized user.”

At this point, you’ll be presented with a form to fill out with information on your authorized user. In addition to their name, you’ll need to include their birth date and their address.

Other Chase cards with authorized user benefits

As you compare Chase credit cards to find the right fit, don’t forget that some other Chase cards offer a few benefits for authorized users. Here are some of the main cards and authorized user benefits to be aware of.

Chase credit cardRewards rateAuthorized user benefits
Chase Sapphire Preferred*Earn 2 points per dollar on travel and dining and 1 point per dollar on other purchases; also earn 5 points per dollar on Lyft purchases through March 2022
  • Complimentary DashPass subscription
  • Travel insurance benefits like trip cancellation and interruption insurance, primary auto rental coverage, baggage delay insurance, trip delay reimbursement and more
  • Extended warranties
  • Purchase protection
Chase Freedom Unlimited*Earn a flat 1.5% back for each dollar you spend; also earn 5% back on Lyft rides through March 2022
  • Purchase protection
  • Extended warranties
Chase Freedom*Earn 5% back on up to $1,500 spent (then 1%) in quarterly bonus categories, after activation; also earn 1% back on regular purchases and 5% back on Lyft rides (Lyft offer ends March 2022)
  • Purchase protection
  • Extended warranties

Should you add an authorized user to your Chase Sapphire Reserve card?

If you want a spouse, partner or someone else to have access to some major benefits like airport lounge access and travel insurance protection, adding them to your Chase Sapphire Reserve account as an authorized user can make a ton of sense. You’ll only pay $75 per year for each authorized user, yet they’ll receive benefits that can be worth considerably more than that if used often enough.

Having an authorized user attached to your account can also help you earn points faster. And if your authorized user travels with you or might otherwise benefit from the rewards on your account, you may as well have them doing their part to boost your rewards balance with their purchases.

Just remember that when you add an authorized user to your account, you are solely responsible for repaying any balances they charge to their card.

*All information about the Chase Sapphire Preferred Card, Chase Freedom Unlimited and Chase Freedom has been collected independently by and has not been reviewed by the issuer. These cards are no longer available through

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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