Can I get a student credit card with a cosigner? This question is about Student Credit Cards

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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Can I get a student credit card with a cosigner?

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This question is about Student Credit Cards

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Chip Lupo, Credit Card Writer

@CLoop • 01/13/22 This answer was first published on 01/13/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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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