Personal & family 2 signers 2 pages 14 blanks to fill in

Credit Card Authorized User Agreement

Adding your teen, student or partner to your card? Agree the limit and the rules first. The bill comes to you either way.

Use this template — free See the agreement Signers don’t need an account
Credit card authorized user agreement
The blanks in brackets are what you fill in. FileIt adds each signer’s signature and date boxes.
Credit card authorized user agreement — page 1 of 2
Page 1 of 2
Credit card authorized user agreement — page 2 of 2
Page 2 of 2
Use this template Fill in the blanks, name who signs, and send — from FileIt eSignature.

What is a credit card authorized user agreement?

Making a family member an authorized user on your credit card can help them build a credit history, give a student a safety net, or simply make household shopping easier. But the card issuer treats every charge as yours. A short agreement makes sure the authorized user knows the limit, what the card is for and what happens if they go over.

This template names the cardholder, the authorized user and the card (by its last four digits only). It sets a spending limit per month, statement period or week, an optional ask-first amount, and lists what the card may and may not be used for, with a sensible default that rules out cash advances, gambling and buy-now-pay-later. You choose who pays the bill, how fast anything owed is repaid and how often you go through the statement together. It covers keeping the card safe, reporting a lost card, who keeps the rewards, and the cardholder's right to remove the user at any time.

Best for
Parents and teens, college students, partners and older relatives
Signed by
The cardholder and the authorized user
Covers
Limit, allowed and banned purchases, repayment, statements, card safety, rewards, removal
Does not
Change the card issuer's terms
Length
2 pages

When to use a credit card authorized user agreement

  • A first card for a teenager learning to budget
  • A student's card for textbooks, fuel and emergencies
  • A partner using the family card for groceries
  • An adult child helping a parent with shopping
  • Resetting the rules after a surprise statement

What you fill in

14 blanks, then the name and email of each person who signs: cardholder, authorized user.

1 Who and which card

  • Cardholder's full name*
  • Authorized user's full name*
  • Relationship*
  • Card*
  • Start date*

2 Spending

  • Currency*
  • Spending limit*
  • Limit applies* per calendar month · per statement period · per week
  • The card may be used for*
  • The card may not be used for*
  • Ask first for any single purchase over

3 Paying it back

  • Who pays the bill* The cardholder pays for allowed purchases. The authorized user repays anything outside the rules. · The authorized user repays the cardholder for everything they spend. · The authorized user repays half of what they spend; the cardholder covers the rest.
  • Days to repay after the statement*
  • We go through the statement* together each month when it arrives · when the cardholder asks · every three months

4 Who signs

  • Cardholder signature and date
  • Authorized user signature and date

What the credit card authorized user agreement covers

  1. Whose account it is
  2. Spending limit
  3. What the Card is for
  4. Paying for it
  5. Looking after the Card

Using the credit card authorized user agreement, step by step

1 Name the people and the card

Enter both names, your relationship and the card by issuer and last four digits. Never the full number.

2 Set the limit

Enter the spending limit and how often it resets, and an ask-first amount for big single purchases if you want one.

3 List the rules

Write what the card is for and edit the list of things it isn't for. Choose who pays the bill, how fast the user repays and how often you review the statement.

4 Sign together

Send it to the authorized user to sign. Keep the PDF in your FileIt vault alongside your card statements.

Tips before you send it

  • Many issuers let you set a separate spending limit or alerts on an authorized user's card. Use them as well as this agreement.
  • Go through the first few statements together. It's the best budgeting lesson there is.
  • The account may appear on the authorized user's credit report. Paying on time helps both of you, and paying late can hurt both.
  • If the card is ever lost, freeze it in the app first and ask questions later.

Sign it online in minutes

  1. Fill in the blanks. Names, dates and amounts go straight into the agreement — the preview shows exactly where.
  2. Name who signs. Tick “This is me” for your own part. FileIt builds the PDF with every signature, date box on the right line, and you can check or move anything before sending.
  3. Send it. Each signer gets a secure link and signs from any device — no account needed. The signed PDF, with an audit trail and a Certificate of Completion, is filed in your vault and emailed to everyone.
Use the credit card authorized user agreement template — it’s free

Credit card authorized user agreement: frequently asked questions

Who is responsible for the authorized user's spending?

The cardholder, as far as the card issuer is concerned. This agreement sets out what the user owes the cardholder in return, such as repaying anything outside the rules.

Can I take the card back?

Yes. The cardholder may remove the user at any time, for any reason, and the user hands back or destroys the card. Anything already owed is still repaid.

Does this affect the user's credit score?

It can. Many issuers report authorized users to credit bureaus, so on-time payments may help the user's history and missed payments may harm it. The agreement mentions this so both of you know.

Does the authorized user need a FileIt account to sign?

No. They open the link you send, read the rules and sign on any device.

Use this template — free