As an authorized user, can I open my own account for the same card?

After being an authorized user on a credit card account, you may be wondering about an account of your own. Perhaps you want to apply for a card for the welcome offer, or so you can earn your own miles and/or improve your credit score.

The good news is that you don’t need to close your authorized user card to open your own account for the same credit card.

Here’s what you need to know.

Getting a card you’re already an authorized user on

There usually aren’t any rules disqualifying someone from landing the same type of card they’re already an authorized user on. In fact, it wouldn’t hurt to keep the existing account open. After all, it might affect your credit score if you close the first account. Also, for cards without an annual fee, it won’t cost anything to remain on the other account.

Getting your own account has some benefits, too. You can obtain a welcome offer and enjoy all the benefits a particular card offers (not just the “authorized user” benefits).

Another thing to consider is Chase’s 5/24 rule, which precludes applicants for Chase cards from being approved if they’ve opened five or more cards in the last 24 months. So it would be wise to apply for any Chase cards you’ve been eyeing before applying for other issuers’ cards.

Bottom line

In summary, getting a credit card of your own is a good idea — even if you are an authorized user on someone else’s account. And you can remain on their account when you do.

Remember that you may have to pay an annual fee for the new card. Also, you might want to avoid getting the same card. That way, you can receive benefits that complement, not duplicate, those already in your wallet.

Related: Does adding an authorized user affect my credit score?