Paul Kessler, WalletHub Credit Card Analyst
No, you cannot get your own credit card at 15. Anyone under the age of 18 is prohibited from entering into a legally binding contract such as a credit card agreement. But there are some credit cards that permit minors to become authorized users on a parent or other adult’s credit card account.
Nearly all credit card issuers allow minors to become authorized issuers (with Synchrony, it varies by card), but some have minimum age requirements. Barclays, American Express, and U.S. Bank require an authorized user to be at least 13 years old. Bank of America, Capital One, and Chase are some of the major issuers with no age limitations.
Here’s what you should know about getting a credit card at 15:
- The only way to get a credit card at 15 years old is as an authorized user on someone else’s account.
- An authorized user can get a credit card, if the primary accountholder allows it. However, the primary cardholder, not the authorized user, is ultimately responsible for paying the bill.
- Reloadable debit cards, prepaid cards, and gift cards won’t give you a loan or help you build credit, but they can be useful to have for emergency spending purposes.
Discuss the basics of personal finances and credit cards with any minor you are considering adding as an authorized user. That way, they will better understand the rules and purpose of having a credit card.
Capital One Platinum Credit Card
Ashley Ponts, Member
You have to be at least 18 years old to get a credit card, but at 15 you could be an authorized user on someone else's credit card, say your parents.
Joe Cottone, Member
Only if your parents add you to their cards as an authorized user. On your own, you won't be able to.
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