Basic question. My son turned 18. Woohoo!! He can finally enter the points game. If I have him apply for Sapphire preferred, and using my medical practice to meet min spend. Am I at risk of being stripped of my points by chase using my business for his point accrual?

If your son orders a free Authorized User card for you there should be no basis to object, but bear in mind that he may not be approved for that card or may receive a very low credit limit.

I think that mia 's concern about your son's ability to be approved for the CSP as his first card are well founded. My suggestions:

1. Make your son an authorized user on one of your credit cards and then monitor his credit score. It should improve significantly. If you are not comfortable with him having access to your credit limit, you don't have to actually give him the additional physical card. (If you have an Amex credit card -- not a charge card -- adding him as an AU to one of those credit cards will have the same effect, and Amex lets you set a spending limit on AU cards.)

2. If your son wants to pursue Chase cards eventually, have him open a Chase checking account. If he's going to college, this Chase account has no monthly maintenance fee:

https://www.chase.com/personal/check...udent-checking

3. Chase provides this guidance for obtaining a "student" credit card:

https://www.chase.com/personal/credi...nt-credit-card

We got the Chase Freedom card as my son's first primary account card. I think he started with a $4k limit. He had been an authorized user on one of my cards previously. Maybe start with a no-fee card like this. CFU would get him 1.5 points per dollar. If his address is same as yours, points could possibly transfer to your CSP account for better redemption options