Yes, you can get a credit card for your teenager by making them an authorized user on one of your credit card accounts, or by helping them apply for their own credit card if they are 18 or older. For teens under the age of 18, becoming an authorized user on someone else’s account is the only way to get a credit card.
Best Credit Cards for Teenagers
Ways to Get a Credit Card for Your Teenager
Make your child an authorized user on one of your credit card accounts.
Adding a teenager as an authorized user on your credit card account is the easiest way to help your teen build their credit. It’s easy to do, and usually it’s free, too. Your child will get their own credit card with their name on it, and purchases made with their card will come out of your account’s credit limit. All the bills will have your name on them, too, and you’re the only person who will be responsible for paying them.
As long as you pay your credit card bills on time, your child’s credit score will benefit from the card, even if they never use it. If you don’t pay your bills on time, your child will be able to successfully dispute the account and get it removed from their credit report.
Help your teenager apply for their own credit card if they are 18 or older.
If your teen is old enough and has the independent income required to make monthly bill payments, you can help them pick the best credit card to apply for. In most cases, this will be a student credit card, but there are plenty of other good starter credit cards to choose from as well.
It’s important to note that applicants who are under 21 years old can only list independent income on a credit card application. For example, they cannot include income from their parents, unless the money is in a shared account that the teen has access to.
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