Did you know that adding an authorized user is an effective way to maximize your earning potential? While we’ve already spent some time researching for Penny’s first loyalty rewards credit card, we decided the easiest first step was to add her as an authorized user on one of our credit cards. It’s good practice for spending responsibly and as an added bonus, our family will earn points and miles along the way.

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Here are two of the top benefits:

Easily reach spending thresholds

When you’re debating between several credit cards, an enticing sign-up bonus may key to making your final decision. After all, a few thousand points or miles on signing up can help you be well on your way to a  free flight, hotel stay or other rewards. However, many travel reward credit cards require members to spend a specific dollar amount during the first few months to be eligible for sign-up bonuses. With authorized users, reaching such limits becomes much easier.

For example, earlier this year,  Starwood Preferred Guest Business credit cardholders had the option to earn two free nights by making $5,000 in purchases within the first three months. Between three people, it’s much easier to reach $5,000 in spending than it would be for one  – or even two – cardholders. Additionally, Marriott Rewards credit cardholders can receive a whopping 80,000 bonus points with $3,000 in purchases during the first three months.

Embrace new opportunities to earn

If you’re approaching a loyalty goal  – like a seat upgrade to first class or a complimentary hotel spa package – adding an authorized user can help you reach the required number of points or miles. For example, spending limits aside, the Ritz-Carlton Rewards Credit Card offers its cardholders 10,000 bonus points when they add their first authorized user and the user makes a purchase within the first three months. American Express Hilton cardholders enjoyed a similar promotion this past summer that awarded 10,000 Hilton HHonors points for each new user added to the card. Similar to the 80,000 bonus points for those who spend $3,000 in the first three months, Marriott Rewards also offers 7,500 points when the first authorized user is added to the account.

From creating a joint account with your spouse to signing your child up for a credit card, enjoy the benefits of adding an authorized user to your card.