How Old do You Have to be to Get a Credit Card?

It is a common question that many people ask themselves: how old do you have to be to get a credit card? The answer, much like the rules and regulations applied to minors and adults, can vary slightly depending on your financial institution.

Getting a credit card in your own name requires you to be the age of majority in your state of residence. If, however, you don’t require the card to be held in your own name, you can qualify to have a card held by an adult, parent or guardian as an authorized user.

How Old Do You Have to Be to Get a Credit Card?

An authorized user is a person who is permitted to use a credit card account, but isn’t the primary account holder.

What is an Authorized User?

You can select from one of several credit card issuer options with companies like Capital One, American Express, Discover, Chase Bank, Bank of America, Wells Fargo and many others.

What Credit Cards Can You Have as an Authorized User?

Kids can learn about money management through several means, though the best option is through modeled behavior. In other words, seeing you handle credit cards responsibly as an adult.

What is a Credit Card for a Child?

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