Which card as an Authorized User should I get added to?

[Anonymous]

I am looking to be added to another one of my parent's credit card accounts again.

Yes, I have my own credit cards (see footer at bottom of post).

My parents are paying 100% for my education expenses when I transfer to George Mason University this August.  For the GMU student ID (which also a fake debit card to make purchases on and nearby off campus), to add money GMU only accepts Visa and MasterCard credit cards.  My parents prefer that I do not use my Chase Freedom to add money to my student ID.  This means that I am going to be added to one of their MasterCards or Visas...  And this is where I need your help.........

Please help me decide which one I should be added to..

---

My choices are:

• Amazon Rewards Visa
• Best Buy MasterCard
• Chase Freedom 
• Chase Ink Cash
• Citi Dividend
• Citi ThankYou Preferred
• Fidelity Investments MBNA MasterCard

---

The cards that are frequently used are (prefer one of these):

• Chase Freedom 
• Chase Ink Cash
• Fidelity Investments MBNA MasterCard

  ---

Should I base if solely off the account open date & credit line?

If I base it solely off the rewards, it would be the Fidelity Investments MBNA MasterCard because it is 1.5% back on all purchases vs 1% back on the Chase Freedom and Ink Cash.

What do you all think I should do?????

[Skye12329]

Considering you already have your own credit, i honestly would just base it off the rewards.

[Anonymous]

Best question is, which one will be most beneficial to you?  If it is the rewards, then go for that one..  What we think is not as important as what will work best for you..

[Anonymous]

If you're looking to start a business at any time in the future, I would say go for the Ink to establish some business credit history now. Since it's a business card, it might not show up on your personal report though. That's how it works for primary cardholders (except for the Capital One Spark I believe). Not 100% sure about authorized users though. The Freedom's categories overlap with your Discover's right now and is a bit redundant overall, so you might not need it.

[Anonymous]

---

@Anonymous wrote:

If you're looking to start a business at any time in the future, I would say go for the Ink to establish some business credit history now. Since it's a business card, it might not show up on your personal report though. That's how it works for primary cardholders (except for the Capital One Spark I believe). Not 100% sure about authorized users though. The Freedom's categories overlap with your Discover's right now and is a bit redundant overall, so you might not need it.

---

Well I do not plan to have a business at any time in the future.  However, my parents got the Ink without having a business.  I know that with the Chase Ink cards it would not report as I would be considered an employee on the account - and not an authorized user.

I honestly do not care about the cashback categories overlapping as I already have my own Chase Freedom and I am an AU on my parents Discover it.

[Anonymous]

---

Yes-Its-Me wrote:

Best question is, which one will be most beneficial to you?  If it is the rewards, then go for that one..  What we think is not as important as what will work best for you..

---

This is what I am trying to figure out lol.  

The rewards really do not matter as it is only a difference of 0.5% ---- if I had to put $100 on my student ID and used the Ink or Freedom then the cashback would be $1.00 and if I used the Fidelity Investments MBNA MasterCard then the cashback (not really cashback - points deposited into Fidelity account) would be $1.50.  So it is not that big of a deal.

Whatever account I would get added to would only be used for my educational expenses (where AMEX is not accepted - I am an AU on my parents Fidelity AMEX where we get 2% cashback) so it isn't like I would be using it for other things.

[Anonymous]

Letting Mommy and Daddy pay the bills.  Nice.

[Anonymous]

They don't pay my credit card bills tho.  Those bills are all up to me.

My parents paid for both of my older sisters college and mine because they did not want us to live in the basement after graduation because we are in huge amounts of debt.

---

@Anonymous wrote:

Letting Mommy and Daddy pay the bills.  Nice.

---