An authorized user borrows your card. A squad member has their own lane.
Adding a family member or partner as an authorized user is the standard shortcut to help them build credit. It works until it does not: they can spend your limit, they are not responsible for a cent, and whether it reports depends on the issuer. Squad Card is designed to give every member a lane they own and answer for.
Free. No card needed, and joining never touches your credit. Early access is open; your squad saves your seat.
- The primary card holder is liable for everything the authorized user spends.
- Reporting to the authorized user's file is optional and inconsistent across issuers.
- The authorized user learns nothing about managing a limit, because there is no limit that is theirs.
- 1A lane is a real limitEach member's lane is sized to their file and the group's strength. Spending stops at the lane. It is theirs to use and theirs to pay.
- 2Reporting per laneSquad Card is designed so each lane reports for the member who uses it. A good year is their good year.
- 3Help without the blank checkThe reserve is where members back each other, by vote and with capped shares.
| Squad Card | An authorized user | |
|---|---|---|
| Whose limit | Each member's own lane | The primary holder's limit |
| Who pays | The lane's owner | The primary holder |
| Reporting | Designed per lane | At the issuer's discretion |
| What the member learns | Managing a real lane | Spending someone else's |
Check your Experian score free and start your squad today.
Join with a first name and an email. Confirm it, invite the people you trust, and see your Experian® VantageScore® 3.0 on your own Squad dashboard. Soft inquiry, no card, no cost.
- Free Experian score and report while you wait
- Your own invite link and QR code; every friend moves you up
- Squad Score estimate once two members verify
- Connect a bank through Plaid so income counts too
Questions people ask
Can I add an authorized user to my Squad Card lane?
Program details, including authorized users on a lane, will be published with the terms at launch. The squad itself is built on members who each hold a seat.
Is a squad better than an authorized user for a young adult?
It is designed to be: a small real lane they answer for builds habits and, per the program design, a history in their name.
Do authorized user tradelines still count?
Yes, when the issuer reports them; that is unchanged. A squad lane is meant to add a history the member owns outright.
Is Squad Card available now?
Not yet. Squad Card is on a waitlist while we finish the program with our issuing bank partner. Joining the waitlist saves your seat, lets you form your squad, and gives you a free Experian score and report while you wait.
Does joining the waitlist affect my credit?
No. Joining takes a first name and an email. If you choose to check your free Experian score, that is a soft inquiry you initiate yourself; it never appears to lenders and does not change your score.
What does it cost?
The waitlist and the free Experian score cost nothing and require no card. Card pricing, credit lines and terms will be published when the program launches and depend on approval by the issuing bank.