How to Add an Authorized User to Your Best Buy Credit Card

In today’s interconnected world, managing finances is no longer just an individual endeavor. With rising inflation, supply chain disruptions, and the increasing cost of living, families and partners are looking for smart ways to maximize their purchasing power and build financial resilience together. One often-overlooked strategy is adding an authorized user to a credit card—a move that can simplify budgeting, improve credit health, and unlock shared benefits. For holders of the Best Buy Credit Card, issued by Citibank, this feature isn’t just about convenience; it’s a practical tool for navigating today’s economic challenges.

Whether you’re a tech enthusiast stocking up on the latest gadgets or a household managing everyday expenses, this guide will walk you through the process of adding an authorized user to your Best Buy Credit Card. We’ll also explore why this step is particularly relevant in our current era of digital transformation and economic uncertainty.

Why Add an Authorized User? The Bigger Picture

Financial Inclusion and Credit Building

In a world where credit scores gatekeep everything from apartment rentals to car loans, helping a family member or partner build credit is a powerful act of support. By adding someone as an authorized user—especially a young adult or someone with limited credit history—you allow them to benefit from the primary cardholder’s positive payment history. This can kickstart their financial journey in an economy where establishing credit is increasingly difficult.

Budgeting in the Age of Inflation

With prices soaring on everything from groceries to electronics, many households are pooling resources to stay afloat. Adding an authorized user lets you consolidate spending on a single account, making it easier to track purchases, manage subscriptions, and avoid overspending. The Best Buy Credit Card’s rewards structure—earning points on Best Buy purchases and beyond—becomes more valuable when multiple people contribute to earning rewards.

Convenience and Security

Imagine your teenager needs to buy a laptop for school, or your partner is handling the holiday shopping. Instead of sharing your card or dealing with reimbursement hassles, authorized users get their own card linked to your account. You can set spending limits (where offered) and monitor transactions in real-time via the Citibank app, reducing the risk of fraud or misuse.

Step-by-Step: How to Add an Authorized User

Adding an authorized user to your Best Buy Credit Card is straightforward. Here’s how to do it:

Step 1: Log Into Your Account

Access your Best Buy Credit Card account online through Citibank’s portal or via the Citi mobile app. If you haven’t enrolled in online services, you’ll need to register first using your card number and personal details.

Step 2: Navigate to Account Services

Once logged in, look for a section labeled “Account Management,” “Services,” or “Card Settings.” Here, you should find an option like “Add an Authorized User” or “Manage Users.”

Step 3: Provide Required Information

You’ll need the authorized user’s full legal name, date of birth, and Social Security Number (SSN). While an SSN is often required for credit reporting purposes, some issuers may proceed without it, though this might limit credit-building benefits.

Step 4: Review Terms and Confirm

Citibank will outline the responsibilities: as the primary cardholder, you’re liable for all charges. Confirm that you understand these terms and submit the request. The new card typically arrives by mail within 7-10 business days.

Alternative Method: Phone Request

If you prefer human assistance, call the number on the back of your card. Verify your identity, and a representative will guide you through the process.

Important Considerations Before You Proceed

Credit Implications

While authorized users can build credit, negative activity (like missed payments or high utilization) on your account could also affect their score. Communicate openly about financial habits.

Spending Controls

Unlike some premium cards, the Best Buy Credit Card doesn’t offer customizable spending limits for authorized users. Discuss expectations upfront to avoid surprises.

Rewards and Benefits

Authorized users contribute to reward points accumulated on the account, which can be redeemed for Best Buy certificates. Everyone wins!

Global Context: Why This Matters Now

Digital Dependency and Tech Spending

The pandemic accelerated our reliance on technology—for work, school, and entertainment. Families are investing more in devices, and sharing a Best Buy Credit Card helps manage these expenses efficiently while earning rewards.

Economic Uncertainty

Inflation and potential recessions have made financial collaboration essential. Shared credit tools can be a lifeline for households balancing essential spending with discretionary purchases.

Financial Literacy as a Trend

Gen Z and millennials are prioritizing financial education. Adding authorized users—when done responsibly—becomes a teachable moment about credit, budgeting, and responsible spending.

Final Tips for Success

• Set clear rules: Define what the card can be used for (e.g., emergencies, specific purchases).
• Monitor statements together: Use the Citibank app to review transactions regularly.
• Leverage rewards: Plan purchases around promotional financing offers or bonus points events.
• Protect your data: Only add users you trust implicitly, as they’ll have access to your account details.

By adding an authorized user to your Best Buy Credit Card, you’re not just sharing a piece of plastic—you’re fostering financial teamwork in a complex world. It’s a small step with meaningful impact, turning everyday spending into opportunities for growth and security.