The content is accurate at the time of publication and is subject to change.

There are so-called joint credit card accounts. This means you can have a joint account holder, also known as a co-signer. Joint account holders can both use the credit card equally and are both liable for making credit card payments. Credit card issuers typically do not allow a joint account holder to be added after an account already exists, so both parties need to apply at the same time.

Unfortunately, not all card issuers offer joint accounts as an option. As of 2019, US Bank and PNC Bank are two examples of credit card issuers that still offer the option. Most other popular banks have moved away from this practice, but they do allow account holders to add authorized users. Authorized users can typically make purchases, report stolen or lost cards, obtain account information and make payments. But they are not responsible for paying the bills. In addition, in most cases, issuers will report account credit history to the credit bureaus to authorized users as well.

For example, one of you may apply for the Discover it® Cash Back credit card. After approval, you will be able to add an authorized user online or by phone providing their name, SSN, date of birth and address.