Barclays 10X Points Offer: Adding an Authorized User Could Be Worth It

If you've got a Barclays cobranded card, check your inbox. Some cardholders are getting a pretty sweet limited-time offer: earn 10X points or miles when you add an authorized user. It's not a huge windfall, but it's a nice little boost if you were already thinking about adding someone to your account.

How This Offer Works

Barclays has been sending targeted emails to some cobranded cardholders, offering a chance to earn 10X bonus points on purchases made by a new authorized user. The offer was first spotted on a Hawaiian Airlines card, but similar deals may pop up for other Barclays partners.

Here's the gist: add an authorized user to your account by July 31, 2026. Then, any purchases they make from June 30 through September 30, 2026, will earn 10 points per dollar — up to a maximum of 5,000 bonus points. That means you'd need $500 in authorized user spend to hit the cap. But even if they spend less, you still get the 10X rate on every dollar they put on the card.

One nice thing: you don't have to hit that $500 ceiling to earn the bonus. Every purchase counts at the elevated rate from dollar one. So if your authorized user spends $100, you'll get 1,000 bonus points on top of whatever the base earn rate is.

The Fine Print You Should Know

This offer is only for select cardmembers — it's not available to everyone. If you close your account or switch to a different Barclays product during the promotional period, you might lose eligibility. Also, the bonus points are calculated on net purchases (after returns, credits, and adjustments), and they only apply to the authorized user's spending, not your own.

The 5,000-point cap is cumulative across all authorized users you add. So if you add two people, their combined spend counts toward the same $500 limit.

A Word of Caution: Chase 5/24 Rule

Before you rush to add someone, consider this: adding an authorized user can affect that person's credit card application history — specifically for Chase's 5/24 rule. If your authorized user is close to the five-card limit in the past 24 months, that new card could push them over the edge and cause a Chase application to be denied.

There is a workaround: they can call Chase reconsideration and ask for the authorized user account to be excluded from their 5/24 count. But not all phone reps will agree to do this. So weigh the potential hassle against the 5,000 bonus points you'd earn. For some, it's a no-brainer. For others, it's not worth the risk.

Bottom Line

• Targeted Barclays cardholders can earn 10X points on up to $500 in authorized user spend.
• Add the authorized user by July 31, 2026; spend window runs through September 30, 2026.
• Max bonus is 5,000 points — no minimum spend required to start earning the bonus rate.
• Watch out for Chase 5/24 implications if the authorized user is a frequent card applicant.

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