Under 21? Credit cards for 18 to 21-year-olds | finder.com
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The “under 21” guide to credit cards

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Typically, it’s much easier to apply for credit cards if you’re at least 21.

Before that age, you may have a tougher time getting approved. If you’re under 18, you can’t apply for a credit card. And if you’re between 18 and 21, card providers will be sticklers about checking your income.

Still, it’s possible to get a credit card as long as you know what you’re doing. Here’s what you should know about restrictions, authorized users and cosigners, secured and student cards and your best options by provider.

Our pick for cardholders between 18 and 21

Petal Cash Back Visa® Card

  • Up to 1.5% cash back after making 12 on-time payments
  • 1% cash back on all purchases - right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • $500 - $10,000 credit limits
  • No credit history necessary for approval
  • Build credit by using responsibly.
  • Petal reports to all 3 major credit bureaus
  • Petal's mobile app makes it easy to manage your money, track your spending and automate payments
  • See if you're pre-approved within minutes without impacting your credit score.
  • No deposits required.
  • Card issued by WebBank, member FDIC.
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How to get a credit card if you’re under 18 years old

If you’re under 18, you’re not allowed to get a credit card on your own. It is possible to get one, though: You just need to be an authorized user on someone else’s card account. As an authorized user:

  • You’ll get a credit card in your name that you can use.
  • You’re not technically on the hook for making payments — that responsibility lies with the primary cardholder.
  • You may build credit as long as the primary cardholder makes payments on time.

Credit card options for teens under 18 years old

How to add an authorized user

It’s simple to become an authorized user. The primary cardholder must call their card provider with your name, date of birth and — if required — Social Security number. They may also be able to add you online.

Not all cards allow you to add authorized users who are under 18. However, here are a few cards that allow you to add users who are 15+ years old.

Be careful about becoming an authorized user

As an authorized user, you’re not responsible for making card payments. Though that’s a plus in some ways, it can also be a negative: Your credit history will rise and fall with the primary cardholder’s payments. If the primary cardholder makes payments on time, you may see a boost in your credit score. But if they’re consistently late on payments, your score could drop.

How to get a credit card if you’re between 18 and 21 years old

Once you turn 18, you’re allowed to get a credit card on your own. However, it’s a little more difficult to get one when you’re under 21. Federal lawmakers didn’t want young consumers to accumulate mountains of debt, so they passed the CARD Act of 2009.

The CARD Act also stipulates that if you’re under 21, you must prove your ability to pay your card bill. You can report income that you earn on your own, such as scholarships and grants or wages from your job. If you don’t have sufficient income, your other option is to add a cosigner — someone who agrees to pay if you default. If you pay late, you could damage your cosigner’s credit history.

If you’re unsure whether your income qualifies or you need a cosigner, call your card provider. In many cases, your provider will contact you with further steps after you submit your application.

Try a secured or student credit card

If you’re between 18 and 21 years old, your main problem may be the lack of a credit history. Many card providers simply won’t let you borrow money until they can see how responsible you are. In that light, two great options are secured cards and student cards.

Secured credit cards

A secured credit card lends the opportunity for someone under the age of 21 to learn how to responsibly use a credit card while positively building their credit.

  • To open a secured credit card, you must first put down a security deposit of typically $200 to $300 — some providers may offer lower deposits. That refundable deposit amount will then act as your credit limit.
  • The deposit is also a form of collateral, which makes it easier to be approved for a secured card — this ensures the provider will be repaid if you fail to pay your bill.
  • Making on time payments and paying off your monthly balance in full will show lenders that you’re a trustworthy customer.

How to apply for a secured credit card

Student credit cards

If you’re a college student, you’re eligible for a student credit card. This is an unsecured card, so you won’t have to put down a security deposit. Additionally, many providers will approve you even if you don’t have a credit history. By starting a relationship with you early, they may win you as a customer for life.

For excellent student cards, check out the Discover it Card for Students, BankAmericard Cash Rewards for Students, Capital One Journey Student Rewards and Wells Fargo Cash Back College℠ Card.
How to apply for a student credit card

Compare student credit cards

Name Product Filter values Purchase APR Annual Fee Recommended Minimum Credit Score
15.24% to 26.24% variable
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
20.99% variable
Designed for college students to build credit history and earn rewards.
25.24% variable
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
17.74% variable
Credit card for professionals relocating to America without a US credit history.
0% for the first 7 months (then 16.74% to 26.74% variable)
Earn 2,500 bonus points after you spend $500 in purchases with your card within the first 3 months of account opening.

Compare up to 4 providers

Provider rules and recommended credit cards

Card issuers have different rules for authorized users and cosigned applications. Here’s a handy guide on what issuers allow (or don’t allow), as well as who offers the best secured and student cards.

Minimum age for authorized users Cosigner allowed for those under 21 Recommended secured credit card Recommended student credit card
American Express 15 cross-icons cross-icons cross-icons
Bank of America None transparent-green-tick cross-icons transparent-green-tick
Capital One None cross-icons transparent-green-tick transparent-green-tick
Chase None cross-icons cross-icons cross-icons
Citi None cross-icons transparent-green-tick transparent-green-tick
Discover 15 cross-icons transparent-green-tick transparent-green-tick
Wells Fargo None cross-icons cross-icons transparent-green-tick

Secured credit card banks and lenders

American Express

American Express cardholders can add authorized users as young as 15. The company does not allow users to cosign applications for individuals under 21.

Amex is unlike other card providers, because it doesn’t offer any student or secured credit cards.

Bank of America

Bank of America cardholders can add authorized users with no minimum age. BofA is one of the few that allow cosigned applications.

The BankAmericard® Secured Credit Card is rather weak compared to its competitors. However, the BankAmericard Cash Rewards for Students is among the best student cards you’ll find.

Capital One

Capital One allows authorized users with no minimum age. It doesn’t allow cosigned applications.

The Secured Mastercard® from Capital One® is an excellent pick, and the Journey® Student Credit Card from Capital One® is a good option too.


Chase allows authorized users with no minimum age but doesn’t allow cosigned applications. It’s also not known for its secured or student cards. If you have good credit, however, consider starting with the Chase Freedom® or Chase Freedom Unlimited®.


Citi allows authorized users with no minimum age but doesn’t allow cosigned applications. The Citi® Secured Mastercard® is solid, if not spectacular..


Discover cardholders can add authorized users as young as 15. It doesn’t allow cosigned applications.

Discover offers an excellent secured and student card, both of which are arguably the best in their respective markets. Look into the Discover it® Secured and Discover it Card for Students.

Wells Fargo

Wells Fargo allows authorized users with no minimum age, but it doesn’t allow cosigned applications.

The Wells Fargo Secured Credit Card is a so-so pick, but the College Cash Back Card is a fine choice for students.

Discover it® Business Card review

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees

Compare up to 4 providers

Name Product Filter values Purchase APR Annual Fee Recommended Minimum Credit Score
19.64% variable
A secured Visa® credit card that helps you build your credit quickly.
26.74% variable
No credit history or minimum credit score required for approval.
14.74% variable
No minimum credit score and no credit history required.
20.74% variable
Build your credit with all three major credit bureaus.
9.99% fixed
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.

Compare up to 4 providers

Shopping credit cards are reward-driven credit cards that are store specific. While you can earn cashback, save money with exclusive discounts or finance a big purchase, you should be aware that these cards generally have high APRs.
Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
See terms
See issuer's website
Build your credit history with low monthly payments.
See terms
See issuer's website
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Payments starting at just $10 a month.

Compare up to 4 providers

When should you redeem cashback rewards?

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