There are a number of credit card providers that will let you add additional cardholders to your account at no extra cost.

Credit cards with free additional cardholders are often popular because they allow multiple people to access the account and share the benefits of the credit card.

The number of additional cardholders allowed for free depends on the provider, but usually ranges between one and nine.

What is an additional cardholder on a credit card?

An additional cardholder on a credit card is anyone who you, as the primary account holder, authorise to access and make transactions on your credit card account.

Additional cardholders are given their own card, and any transactions they make are charged to the primary account.

Typically, additional cardholders can access the same account information as the primary cardholder, but can’t make changes such as updating address details or requesting a new credit limit.

Who do people add as additional cardholders on their credit card?

It’s common for primary cardholders to add a spouse, partner or other family members to an account.

For example, if you’re married and have an 18-year old child, you might choose to have a single credit card account for the three of you so you can easily track family spending.

Adding additional cardholders is also common for business credit cardholders, as it helps streamline business payments.

What are the pros and cons of having additional cardholders on your credit card?

There are a number of factors to consider when deciding whether or not to add additional cardholders on your credit card.


  • Monitor spending – With a single account, you and your partner or family could more effectively track spending and stick to a budget.
  • Earn extra points – Adding additional cardholders to your credit card account means that you can collect points they earn with their own spending.
  • Hit spending thresholds – Having more than one cardholder could make it easier to hit spend levels required to access rewards.
  • Build up a credit history – Adding a child as an additional cardholder, for example, can help strengthen their credit history.


  • Your credit is on the line – As the primary account holder, you are responsible for any transactions made and debt accrued, and that means it’s your credit history that will be impacted if the bills aren’t paid.
  • Fees – Some providers charge a fee for adding additional cardholders to your account. Avoid unnecessary fees by researching credit cards with free additional cardholders.

How do you find credit cards with free additional cardholders?

There are numerous credit card providers that offer additional cardholders for free, so it’s worth doing some research to see which credit card suits your needs.

For instance, you might find a credit card provider that doesn’t charge fees for additional cardholders, but their interest rate or annual fee could be too high or their rewards program could be unimpressive.

It pays to shop around online for a credit card that ticks as many boxes as possible for your requirements, including fee-free additional cardholders.

Head to RateCity’s credit card comparison page to compare credit card interest rates and deals.