How Old do You Have to be to Get a Credit Card?  [Minimum Age]

To have a credit card issued in your name, you’ll need to be considered an adult in your state of residence. Often, that means being 18 or older.

Getting a credit card in your own name requires you to be the age of majority in your state of residence. 

How Old Do You Have to Be to Get a Credit Card?

Because minors can’t have credit cards held directly in their names, if they need to have access to a credit card, that will require being added to a parent or guardian’s credit card as an authorized user.

What is an Authorized User?

You can select from one of several credit card issuer options with companies like Capital One, American Express, Discover, Chase Bank, Bank of America, Wells Fargo and many others.

What Credit Cards Can You Have as an Authorized User?

Having a credit card for kids may assist them by developing healthy money habits from an early age, allowing these financial literacy skills to compound from the start.

What is a Credit Card for a Child?

You’ve got a number of different options to consider beyond simply having all your kid’s finances handled in cash. 

Best Credit Card Options for Kids and Teens

Likewise, you can also add your kid as an authorized user to your own card or through a new one you set up together under your name through a credit card issuer.

Credit Card Authorized Users

Secured credit cards work by having the cardholder front a security deposit to open an account, reducing the risk to card issuers of you defaulting or missing a payment.

Secured Credit Card

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