What’s the Minimum Age for an Authorized User on a Credit Card?

Suppose you’re considering adding your children or a loved one as an authorized user on your credit cards. In that case, it can be an excellent way to help them establish a credit history as early as possible.

However, you might be wondering, “What is the minimum age for an authorized user on a credit card?”

How Old Do You Have to Be to Be an Authorized User on a Credit Card?

Different credit card companies have different rules about authorized users on credit accounts. 

Can You Add a Minor as an Authorized User on a Credit Card?

Yes, you can add a minor as an authorized user on some credit cards, and a minor is a person under 18 years old. Many credit card companies allow customers to add authorized users younger than 18, but some do not.

Will Adding My Child to My Credit Card Help Build Their Credit Score?

Adding your child as an authorized user online will help them have a positive credit history if your credit card reports authorized users to the credit bureaus.

Can an Authorized User Build Credit History Under 18?

Yes, an authorized user can build a credit history even if they are a minor. This is because most major issuers will notify credit reporting agencies every time the account holder makes a payment.

What Should You Know About Adding Authorized Users to Your Credit Card Account?

Some credit cards charge additional fees for adding authorized users. While this is uncommon, it’s still something you should check. Read the fine print, and when in doubt, call and ask.

1. Check for Added Costs

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