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How to Add a Chase Credit Card to an Online Account

Paying your bills can be complicated if your credit card is not linked to your e-banking account. I, too, missed a few payments because my card and bank account were not linked. It affected my credit score negatively.

Therefore, I learned how to add a Chase credit card to an online account. Read through the answer to find out!

How to Add a Chase Credit Card to an Online Account

You can add a Chase credit card to your Chase bank account by logging into the bank’s website. Then, you can register your card details under “Credit Cards.” You must enter an OTP (One-Time Password) to verify your identity after clicking “Submit.”

You should log out and sign in again to confirm the registration afterward. You may also get a confirmation notification through text or email. Some banks even call you to verify the activity. 

Couple looking at a laptop while the woman is holding a credit card and standing behind her husband

Alternatively, you can link an external account, like your checking account, to your Chase bank account. You can do so by selecting “Add an External Account” under the “Transfer Funds” tab. It makes cross-account e-payments easier. You may note here that you do not need an existing account for Chase card approval.

You Can Link Multiple Cards to Your Online Account

You can link up to two cards to the same credit card account by applying to combine two credit card accounts into one. If you can not handle multiple card accounts, merging can be a viable option. It has its own set of benefits and risks, though. 

Benefits of Linking Two Credit Cards to a Single Credit Card Account

A significant reason is the ease of access it can provide. You can manage your finances better while keeping track of all your transactions. Linking is as secure as banking itself, both offline and online.

Your bank determines the safety protocols to protect your personal details. Therefore, you can opt for multi-factor authentication to access your cards. Your banking app may also ask you for a biometric identification to log in.

Bill Payments

You can assign various bills to separate cards. You can pay quickly if you have your cards under one roof. Moreover, most of us need to remember to pay our card dues on time. Your e-banking offers you the facility of automatic payment transfers. You or your issuer company can select a due date. You will avoid the cumbersome late fee and stay on top of your finances.

You can add the utilities and your mobile network company as beneficiaries. Then, you can either pre-set a date or pay them off manually when you sign in.

Bonus Offers

Your e-banking portal displays bonus categories when your card company releases them. You can activate them on your card then and there instead of waiting or missing them altogether. When two cards are on the same account, you can pool the points for maximum benefits.

Couple checking their financial report

In contrast, more than one card means more credit limit. Also, applying for an increased credit limit might be easier if you have a record of maintaining multiple cards. Your card company can analyze your financial condition and decide on a suitable credit extension. 

Credit Card Statements

Going digital has its benefits. You can maintain a decluttered credit statement record in your e-banking account. You can also manage your cards better by comparing them on the same screen.

Dual credit card statements can also give you a clear picture for storing statements longer. Credit score building, pending charges, claims needing proof of purchase — your multiple card e-bank portals can help you make better decisions.

Instant Backup

Multiple cards can be each other’s backup if one gets stolen or misplaced. Additionally, fraudulent activity can cause you to block or freeze one of your cards. You won’t have to hold your expenses to wait for a replacement.

Risks of Linking Two Credit Cards to a Single Account

Credit cards are the go-to payment method today. So, owning more cards with less management makes sense. 

That said, there are a few disadvantages to linking multiple cards to one account. The spend-to-earn concept has engaged consumers in a rat race that exposes them to potential fraud. 


Your account can overdraft if you lag in maintaining your spending behavior. You can easily overspend when you have two cards to shop from. Overspending leads to over-drafting, which means that your account balance is negative. You owe the bank when you overspend.

The red figure on your statement can cost you an additional fee. You must transfer the balance to stabilize your account within several days. Remember that you can not transfer balance between cards linked to the same account. This might make the situation tricky in some cases.

Vulnerability to Fraud

While your physical card is liable to theft, its online presence is riskier. Linking it to your bank account makes it vulnerable to identity theft. You may have to invest in extra protection tools to ensure security.

It can happen to both of your cards. If a scammer manages to hack your account, they can steal from all the linked cards and cause an amplified loss.

An additional user on your card can help you manage your accounts sensibly. Chase can allow you to allow, or authorize, another person to share your card benefits. You can add multiple authorized users.

Woman using a laptop while holding a credit card

Sharing Your Chase Card With an Authorized User

Sharing your card is a popular method among spouses and immediate family members. An authorized user gets a separate Chase-approved card, which would be tied to your card. Business owners also use it to allow their employees to make work-related transactions.

You can add one or multiple authorized users through a simple process. You have to select the card you want to add them to. Then, you can click “Add an Authorized User” under “Account Services”. The users will receive their cards within two weeks of request submission.


  • It is great for teens to start building a credit history. You can authorize your kids since most Chase Bank cards require an excellent credit score.
  • It increases your chances to maximize your rewards. You can utilize this maneuver to avail of initial bonuses that expire after a few months.
  • Authorizing a user can be a good decision if you combine finances with them. Spouses can make essential purchases without you having to rush for everything. The same goes for authorized employees. 


  • You can use more credit than available and go into a negative balance. It can decrease your credit score and make you ineligible for an upgrade.
  • The authorized user won’t get welcome bonus points. You and your spouse can maximize points by getting two separate cards instead.

Related Questions

How Do I Know if My Chase Credit Card Is Active?

You can know if your Chase card is active by making a purchase. An inactive card can not be registered for checkout. Alternatively, you can call Chase Bank to inquire about it. Also, note that new Chase cards come inactive.

How Do You Transfer Money From a Chase Credit Card to an External Account?

You can transfer money to an external account through the Chase app. You have to click “Brokerage and Transfer” under “Pay and Transfer” after logging in. Then, you can enter the account number and send the amount.

Can You Access Two Different Accounts on the Chase App?

Yes, you can access two accounts from the Chase app. You can combine your business and personal accounts on your online profile. However, your business account will be the primary handling account instead of the personal one.


You can redeem maximum rewards and build creditworthiness by linking your Chase card to your Chase bank account. You can access your bank’s website and register your card details. It protects your card and provides ease of access.