Heidi Martinez, Member
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No, a 12 year old cannot have a credit card of their own. Legally, you have to be at least 18 years old to be able to get a credit card.
There is, however, the option to become an authorized user on someone else's account.
Some cards without age restrictions for authorized users are:
- Capital One Venture Rewards Card
- Capital One Quicksilver Cash Rewards Card
- Wells Fargo Cash Wise Visa Card
By becoming an authorized user you'll have the the possibility to learn how to use a credit card responsibly, but you can also start building credit early.
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