Best Credit Cards for 18-Year Olds

The best credit card for 18-year-olds to build credit with is the Petal® 2 Visa® Credit Card. This card accepts applicants with limited credit, gives monthly reports to the credit bureaus, and has an annual fee of $0. Cardholders also get 1 - 1.5% cash back on all eligible purchases.

Best Credit Cards for 18-Year-Olds to Build Credit

It’s worth noting that people younger than 21 years old cannot add their shared household income on credit card applications. In order to get a card, 18-year-olds must have enough independent income to afford monthly credit card payments.

Unless they were previously added as an authorized user on someone else’s credit card account, 18-year-olds start their credit journey with a clean slate. In other words, you could see great improvement in your credit score with just a few months of responsible credit card use. That means never missing a payment due date and always keeping your balance well below the credit limit. To find your first credit card, check out WalletHub’s picks for the best credit cards for 18-year-olds.

You can get a credit card at 18 with no credit if you have enough independent income to make monthly payments. By law, the minimum age requirement to get a credit card is 18 years old, though people ages 18-20 will have to prove they can afford one with only their own income. Older applicants can use shared household income.

Even if you have no credit and don’t make enough money, you can still...

Yes, you can get a credit card at 18. The minimum age to qualify for your own credit card account is 18 years old, though you will need to demonstrate enough independent income to pay the bills in order to qualify for your first credit card account.

The best type of credit card for 18-year-olds is one with a low annual fee, preferably $0, that accepts applicants with limited or no credit history. Using...

Yes, it's a good idea to get a credit card at 18, as long as you use it responsibly.

Applying for a starter credit card as soon as possible will add positive information to your credit reports and will help you build credit fast. The main thing you need to do in order to benefit from a credit card's credit building effects is to always pay your bills on time and in full.