How to Add Authorized Users & Employee Cards on a Business Credit Card

ByKevin Payne

Updated: March 21, 2024

Edited byErika Hearthway
Reviewed byBrett Holzhauer, CPFC
ByKevin Payne

Updated: March 21, 2024

Edited byErika Hearthway
Reviewed byBrett Holzhauer, CPFC

Advertising & Editorial Disclosure

Adding employee cards to your company credit cards can turn employee purchases into valuable rewards. It's also a great way to control and track each employee's spending, but it puts you on the hook for charges made on every employee card.

The process to add authorized users is straightforward and similar to personal credit cards. In most cases, you can request employee cards through your online account or over the phone.

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MoneyGeek's Takeaways

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Requesting employee credit cards is the same as adding authorized users to your card.

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Employers, not employees, are responsible for any charges made on employee credit cards.

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Employers have the ability to set card limits and track spending on employee credit cards.

Some of the links on this page will take you to one of our partner's sites, where you can compare and apply for a selected credit card.

What's the Difference Between an Authorized User and an Employee Card?

There's little difference between adding an authorized user on a personal credit card and adding employee cards to your business card account. In both cases, you're authorizing someone else to make purchases on your account. The primary account holder is also responsible for payment of all purchases on personal and business credit cards, so only add people you trust.

One difference between personal and business cards is how they are reported to credit bureaus. Most business cards, including employee cards, aren't reported to consumer credit bureaus and don't appear on your personal credit report. The opposite is true for authorized users on personal cards, who can often boost their credit score by being added to someone else's credit card.

How to Add Employee Cards on a Business Credit Card

You can add employee cards onto your business card by accessing your account online. In many cases, you can click "add cardholder" or "request employee card" within your account. Other card issuers may require you to contact customer service to request additional employee cards. Employees don't need to have an account with the card issuer to be eligible.

When adding an authorized user, you'll be asked for the employee's full name and other personal information like their physical address, date of birth, and Social Security number. At this time, you can also set a spending limit for the employee credit card.

Depending on the card issuer, there may be an additional annual fee or charge when you add employee cards to your account, although some issuers provide this service free of charge. Also, the same terms and conditions apply to the primary cardholder and authorized users. Card issuers may also limit how many employee cards you can add to your account.

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Many of the best business credit cards allow you to add additional employee cards free of charge. Not only does this save money, but it also helps you maximize your rewards through employee spending.

Pros & Cons of Having Employee Cards

While adding employee cards to your business account can empower your employees and help your business, there are also drawbacks to consider before requesting employee credit cards from your card issuer.

Pros & Cons of Employee Cards


  • You can earn rewards: If you have a business card that earns rewards, you can earn points or miles on your employees' spending, not just yours.
  • Control employee spending: As the primary cardholder, you can set spending limits on employee cards. Many cards also allow you to track spending, so you're never out of the loop with company spending.
  • Benefits extend to employees: If your card comes with purchase protection or travel insurance, these benefits extend to employee cards too.


  • You are financially responsible: You are responsible for all charges on your card account, including those made by employees.
  • It could affect your business credit score: Adding employee cards won't affect your personal credit, but it can affect your business credit score if your employees use their cards irresponsibly.

When Should a Business Owner Think About Adding Employee Cards?

As your business grows, it may be time to think about adding employee cards to your account. This is especially true if you aren't the primary purchaser for your company. If another employee handles most purchases for your business, an employee card streamlines the purchasing process.

Adding employee cards can also help you avoid having to reimburse employees for purchases made on their personal cards. Plus, it allows you to track their spending in real time, set limits and adjust account settings and privileges as needed.

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When adding employee cards to your account, take advantage of any tracking, budgeting or spending tools included with your business card. Some business cards allow you to assign a designated employee as an account manager to help manage employee card features and settings. — Kevin Payne

Alternatives to Employee Cards or Authorized Users

There are other options if you're not ready to add employees to your business card account yet. For example, you can opt for prepaid cards, which allow you to load a specific amount of money on the card for spending. These cards are reloadable, too, so you can add more funds as necessary.

Another alternative is using procurement cards. A procurement card, or purchasing card, is a card designed for purchases, usually from a specific business like an office supply store or home improvement store. If you have a vehicle fleet, your employees can use a procurement card to pay for fuel and vehicle maintenance costs. Procurement cards are typically used for smaller, everyday purchases. Most procurement cards are considered charge cards. Unlike a standard credit card, the balance on a procurement card must be paid in full each billing period. Business owners can designate a procurement card to particular employees authorized to make purchases on behalf of the company.

Other Questions You May Have

Looking for more information on business cards and adding employee cards? Finding the answers to common questions about business credit cards can help you determine if it's worth adding employees to your card account.

Do employee credit cards cost extra?
Do employee cards have annual fees?
Can you add an authorized user to a business credit card?
Does being an authorized user on a business credit card affect your score?
Does having an employee credit card impact your credit?
Is an authorized user liable for a business credit card?
Can you add a person to a business credit card?
How do I get an employee credit card?
How many authorized users can be on a business credit card?
Can you get employee cards with corporate business cards?

Next Steps

Examine your business to find out if you should add employee cards to your account or find a new business card that fits your growing business needs.

Compare & Review Credit Cards

MoneyGeek experts analyze spending trends based on data provided by the Bureau of Labor Statistics. They also have carefully reviewed the offers, rates and fees of 545 business credit cards to date to help you make the most informed decision when shopping for the right business credit card for your needs.

Learn More About Business Credit Cards

The MoneyGeek editorial team works hard to stay on top of the latest financial trends to provide answers to common questions about business credit cards and other relevant topics for our readers. We aim to deliver insightful content to help you better understand how credit cards work and how to use them more effectively.


About Kevin Payne

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Kevin Payne is a personal finance writer specializing in credit cards, banking, and student loans. He is a regular contributor to Forbes Advisor, The Ascent, Investing Answers, and Student Loan Planner. Kevin is the budget and family travel expert behind

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