No, a 17-year-old cannot get a credit card from Bank of America on their own because you have to be at least 18 years old to legally open a credit card account. A 17-year-old can become an authorized user on someone else’s Bank of America credit card, though, since there’s no minimum age requirement.
How a 17-Year-Old Can Get a Bank of America Credit Card as an Authorized User
See if any of your adult family members or friends have a Bank of America credit card.
Ask the adult to add you as an authorized user on their credit card account.
Receive your card from the primary cardholder once they get it in the mail (if it’s not sent directly to your address).
Use the card to make purchases. You will share a credit line with the primary cardholder.
Bank of America reports information about credit card accounts to the credit bureaus monthly for both primary cardholders and authorized users. This helps the authorized user build credit if the account is used responsibly.
Once a person turns 18, they are free to apply for a Bank of America credit card on their own, though they will need some sort of income to have a shot at approval. You can browse the best Bank of America credit cards on WalletHub.
If you're younger, there's no way to apply for a Bank of America credit card, or any other credit card for that matter. However, you can still become an … read full answerauthorized user on someone else's account. This might help you build credit even before you can qualify for a card of your own.
Yes, you can get a credit card at 17 as an authorized user on someone else’s account. But you have to be at least 18 years old to open a credit card account in your own name. And when you turn 18, you’ll need to show that you have your own independent income to qualify. In the meantime, you can begin to … read full answerbuild credit as an authorized user, and you can always use a debit card for everyday purchases.
Alternatives to getting a credit card if you’re 17:
Become an authorized user: If someone makes you an authorized user on their card, the account will be added to your credit report. And if the main accountholder pays the monthly bills on time, your credit score will improve. The main accountholder may or may not decide to give you a card that you can use to charge purchases to the account. But you won’t be responsible for making payments either way.
Get a debit card: Most banks will give you a debit card connected to your checking account. You’ll be spending your own cash, not borrowing money. So, you don’t need to be 18 to get one. Different banks have different rules, but most require you to be 13 or 14 years old. You won’t build credit with a debit card, but having one can make life more convenient until you turn 18.
So, keep in mind that you can’t get a credit card at 17, at least not one of your own. But if you find someone to back you, then you can start building credit right away. And in just a year, you’ll be eligible for student credit cards, secured credit cards, and other options for people new to credit.
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