Chip Lupo, Credit Card Writer
Yes, you can get a student credit card with a co-signer from certain credit card companies, though it’s rare. When a co-signer includes their name on a student credit card application, they are agreeing to assume liability for the account if the student is unable to make the payments. The co-signer has to be at least 21 years old and must meet the credit card’s minimum approval requirements to have a decent chance of being approved.
Key Things to Know About Getting a Student Credit Card With a Co-signer
- Most major credit card issuers do not allow co-signers for any of their credit cards, including student cards.
- Bank of America may allow some applicants who were denied for one of its student credit cards to re-apply with a co-signer, but only by phone.
- Another option is to contact your local bank or credit union and see if they will allow you to use a co-signer for a student credit card.
While it’s unlikely you’ll be able to find a good credit card that allows for a co-signer, there are other alternatives for students with limited or bad credit. Consider signing on to someone else’s account as an authorized user or applying for a secured credit card.
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