Credit card options for teens under 18 years old

If you want to get your teen a credit card, you'll have to add them as an authorized user.

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If you’re a parent thinking about your kids’ financial futures, you might wonder how young is too young to get a credit card? Legally, no one can get a credit card on their own unless they’re at least 18 years old. Anyone under 18 can only be an authorized user on someone else’s account — like their parents’.

Here are some credit card options that allow teens under 18 as authorized users, along with a few tips for teaching them financial habits.

Credit cards that allow authorized users under 18

Card Age limit Annual fee
Blue Cash Everyday® Card from American Express
All information about this card has been collected independently by Finder.
15+ $0 (see rates & fees)
American Express Cash Magnet® Card
All information about this card has been collected independently by Finder.
15+ $0 (see rates & fees)
Blue Cash Preferred® Card from American Express 15+ $95 (see rates & fees)
Barclaycard Ring® Mastercard® 13+ $0
Discover it® Cash Back 15+ $0
Capital One® Venture® Rewards Credit Card No restriction $95
Capital One® Quicksilver® Cash Rewards Credit Card No restriction $0
Wells Fargo Cash Wise Visa® Card None listed $0

Our pick for authorized users

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 15.74%-25.74% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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Debit and prepaid cards first — then credit cards

Though your teen could benefit from a credit card, you don’t have to give them one right away. In fact, it might be a good idea not to: A credit card can be a powerful financial tool, but only if it’s used responsibly. Teach your teen solid financial habits as early as possible. When you’re confident your child has the skills to manage their money, consider letting them graduate to a credit card.

Credit cards for different age groups

Tweens: 11–13 years old

This age range is a good time to introduce your tween to debit and prepaid cards. These cards are a relatively safe way to teach your child how to spend responsibly. They don’t accrue interest and they draw from preloaded money through a bank account or other source. The downside to debit and prepaid cards is twofold:

  • Using prepaid cards in particular often incurs fees. Even a simple visit to the ATM can result in a charge. These fees can add up and are counter intuitive to your goal of teaching your child about responsible spending.
  • Neither prepaid cards nor debit cards will help your child build credit.

During this time, teach your tween about the concept of a credit limit. Load the card with more money than your tween actually needs and make that amount the “credit limit.” Then instruct them to keep spending well below that limit. The point is to teach your tween how to keep their credit utilization ratio low. For prepaid cards, consider options like FamZoo and TD Go, which allow you to monitor your child’s spending.

Teens: 14–17 years old

If your teen proves they’re able to responsibly use a debit or prepaid card, consider letting them graduate to a credit card. After you add them as an authorized user, you can monitor their spending. At the same time, you can teach them how to manage credit before they get their own card. At this point, you’ll want to start stressing a few additional credit card spending habits:

Teach your teen how to make card payments on time. Set up automatic payments so that you never miss a payment on your teen’s card account. Meanwhile, ask your teen to repay you monthly by a certain date. This helps them learn how to make card payments on time. If they miss a due date, neither their nor your credit score will drop — your automatic payments have you covered.

Encourage your teen to pay off their full balance each month. This is a great habit that will keep them out of debt later. While you’re at it, praise your teen for keeping their credit utilization ratio low.

Is there a minimum age to become an authorized user?

Many card issuers — Bank of America, Capital One and Chase — have no minimum age for authorized users. Others have minimum ages of 13 to 16.

Should my teenager get a credit card?

You might think your teen is far too young to use a credit card. But you’ll find two big reasons why it could be a good idea for them to have one.

1. It can teach your teen how to use a credit card responsibly for the future.

After adding your teen as an authorized user, you have control over their account and can see how they use their card. With insight into their spending, you can more effectively teach them solid financial habits. It’s better for them to learn from you now than figure everything out on their own later.

2. It can help your teen build credit early.

Most people start with a brand-new credit history when they’re ready to get a credit card. This usually means they’re limited to student cards and secured cards, both of which typically come with limited features. You can help your teen build an impressive credit history before they reach adulthood. Just add them as an authorized user on your account and consistently make payments on time. When they turn 18, their credit may be strong enough to expand their card options considerably.

Credit card or no credit card?

Be careful about bringing your teen aboard

Before adding your teen as an authorized user, consider how responsible you are as a cardholder. Why? Because your teen’s fortunes will rise and fall with yours. If you pay on time, your teen’s credit will improve. If you consistently miss payments, you’ll damage your teen’s credit. Bring your son or daughter for the ride if you’re on top of your credit card payments. But if you have trouble keeping up, it’s probably better not to add authorized users at all.

Teach your teenager the risks of having a credit card

While you still have them under your wing, teach your teen how to avoid trouble with a credit card. Here are a few common pitfalls they should know about.

  • Just paying the minimum payment. A cardholder is allowed to make only the minimum monthly payment on their credit card. However, that’s arguably the worst thing to do behind paying late. Paying the minimum allows interest to snowball and debt to accumulate.
    Here’s what to do: Show your teen why it’s smart to pay off their balance in full each month. Teach them how credit card interest accumulates, and how it can be avoided.
  • Overspending. Teach your teen they should avoid spending close to their credit limit. Carrying a high balance puts one in danger of incurring overlimit fees, on top of accumulating high debt. Many experts recommend keeping spending under 30% of one’s credit limit.
    Here’s what to do: Encourage your teen to spend less than they receive from their allowance or job. Teach them how their credit utilization ratio affects their credit score. And explain why it’s smart to keep their ratio under 30%.
  • Paying late. This is a sure path to decreasing a credit score. Because your teen is an authorized user on your account, you can protect them by paying your card bill as usual. But if you see signs your teen may pay late in the future, it’s best to nip the problem in the bud.
    Here’s what to do: Set up automatic payments on your card account so that you never miss a payment on your teen’s card account. Meanwhile, ask your teen to repay you by a certain date each month. Encourage them to set up phone or calendar reminders so they don’t forget.

Which card issuers allow authorized users?

Banks Which banks offer authorized users under 21
American Express transparent-green-tick
Bank of America transparent-green-tick
Capital One transparent-green-tick
Chase transparent-green-tick
Citi transparent-green-tick
Discover cross-icons
Wells Fargo transparent-green-tick

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$0
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
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
See terms
See issuer's website
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Can't decide on a card? Get personalized credit card offers with CardMatch™.

Compare up to 4 providers

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.99% variable
$0
300
Get access to a higher credit line after making your first 5 monthly payments on time.
19.14% variable
$35
300
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
$48
300
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
20.74% variable
$29
300
Build your credit with all three major credit bureaus.
13.99% fixed
$39
300
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
$0
24.9% variable
580
A no-annual-fee credit card and discounts when you shop at Target.
$0
29.99% fixed
300
Build your credit history with low monthly payments.
$0
29.99% fixed
300
Get access to purchase items in the Fingerhut store with no overlimit fees.
$0
5.75% to 23.99% fixed
300
Buy now, pay later — low monthly payments make shopping easier
$0
5.75% to 23.99% fixed
300
Buy now, pay later with payments as low as $20 a month.

Compare up to 4 providers

Bottom line

With the right education and supervision, getting your teen on the path to a credit card can be a great way to help them financially prepare for the future. If you prefer to start them off with a secured card, compare secured credit card options to choose one that best fits both of your needs.

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