You can’t get a credit card at 15. You won’t be able to get one in your own name until you’re 18. And even then, you might need to start out with a secured card until you’ve built up your credit history. The law prohibits minors from getting credit cards and requires anyone under 21 to show that they have their own income when they apply for a card.
But just because you can’t get your own credit card account doesn’t mean you have no options. Your best bet is becoming an authorized user on someone else’s card. Authorized users can charge purchases to the primary cardholder’s credit account, but they don’t have any legal responsibility for payment. And as long as the primary cardholder makes payments on time, the authorized user gets positive information on their credit report.
There are other ways to build credit without a credit card, like making rent payments, but they aren’t available to most 15-year-olds. And if you want a credit card because carrying cash all the time is a hassle, many banks allow teenagers to open checking accounts with debit cards. Debit cards draw on the money in your checking account, so you don’t have to borrow money to use them. Prepaid cards (reloadable) and gift cards (usable until balance runs out) are other good spending tools.
So instead of getting a credit card at 15, it’s probably best to focus on becoming an authorized user, getting a debit card or both.