How good is your credit?

Best Credit Cards for Teenagers
WalletHub experts track 1,500+ offers to help you get the right credit card for teenagers
The best credit cards for teens help teenagers who are 18-19 years old build credit and save money. The best credit cards for teenagers are usually college student credit cards or cards for people with no credit, both of which are known as starter credit cards. For younger teens, the best way to get a credit card is to become an authorized user on an adult’s account.... show more
Best Credit Cards for Teens (June 2023)
FILTER CREDIT CARDS FOR TEENAGERS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}

- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate

- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee

- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Requires security deposit

- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- High regular APR
- Foreign fee

- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards bonus
- No balance transfers allowed

- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards
- High regular APR

- Qualify with limited or no credit history
- Low security deposit
- One-time fees
- High regular APR
- Foreign fee

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Above-average regular APR
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best credit card for teenagers.
Our picks for the best credit cards for teens in 2023
Capital One Platinum Credit Card
The best credit card for teens is the Capital One Platinum Credit Card because it has a $0 annual fee, is pretty easy to get approved for, and reports account information to the major credit bureaus each month. Those features make building credit and learning how to use a credit card as simple as possible.
Capital One QuicksilverOne Cash Rewards Credit Card
One of the best rewards credit cards for teens is the Capital One QuicksilverOne Cash Rewards Credit Card because it offers 1.5 - 5% cash back and accepts applicants with limited-to-no credit experience. The downside is that the card charges an annual fee of $39, but you can easily get your money’s worth by using the card regularly and paying the bill in full every month.
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is one of the best credit cards for teens who are in college because it has a $0 annual fee, gives rewards of 1 - 5% cash back on purchases, and offers an initial bonus of $50 for spending $100 in the first 3 months. You don’t even need credit history to qualify, which is surprising considering how good the terms are.
OpenSky® Secured Visa® Credit Card
One of the best credit cards for teens concerned about getting approved is the OpenSky® Secured Visa® Credit Card because it doesn’t do a hard inquiry into your credit history when you apply. It has a $35 annual fee and reports credit information to the three credit bureaus monthly.
Teens who are in school should definitely consider student credit cards. Student cards tend to offer a few more perks than other credit cards for teenagers. To find the best credit cards for different types of teenagers, WalletHub’s editors compared 1,500+ offers, and you can learn more about their final selections below.
Best Credit Cards for Teenagers Comparison
Credit Card | Best For | Annual Fee |
Capital One Platinum Credit Card | Overall | $0 |
Capital One SavorOne Student Cash Rewards Credit Card | College Students | $0 |
OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
Capital One QuicksilverOne Cash Rewards Credit Card | Rewards | $39 |
Unfortunately, 0% intro APRs aren’t usually available to people with limited credit. And the cards that teens can get typically have pretty high regular interest rates. So it’s important for teens to pay their credit card bills both on time and in full every month. This will help you save money and allow your credit score to improve.
You can check out some tips in WalletHub’s on-time payments guide. And you can track your credit score’s progress for free on WalletHub, too. WalletHub is the only site with free credit scores that are updated on a daily basis.
How we picked the best credit cards for teenagers
To identify the best credit cards for teenagers, WalletHub’s editors routinely compare over 1,500 credit card offers, evaluating their rewards, fees, APRs, approval requirements, and any special features they may have. Next, we determine which credit cards are best suited for different types of teenagers, based on the most common use cases.
For example, we focus on expected rewards value after fees for teenage credit card users who will pay their bill in full every month. Similarly, we consider student credit cards as well as general-purpose credit cards to give teenagers options based on their education status.
The goal is to provide the best possible collection of credit cards for teenagers to choose from and to make the selection process simple.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards for teenagers for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Best Credit Cards for Teens FAQ
Comparing credit cards for teenagers can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
show less
Searching for answers... No Matching Results
Featured Credit Cards
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: