To get a traditional credit card, you have to be 18. However, there are two ways around this to help teens build credit before turning 18. One is for a parent or guardian to add the teen as an authorized user on their credit card and the other is to open a credit-building card that allows teens to start building a credit history before turning 18. Upon turning 18, teens can request to have up to two years of previous credit history reported to credit bureaus, giving them a head start on their credit history.
Before they venture into adulthood, explore the best credit card options for teens.
Our top picks
Build credit for college students
Fizz debit card
Go to site
- Earn 1,000 points ($10 value) when you download the Fizz app and enter code FINDER
- No monthly fee or APR
- No hard credit check
- Cashback rewards
- Reports to all three credit bureaus
Build credit, get cashback
Step Visa Card
Go to site
- $0 monthly fee
- No credit check, security deposit or interest charges
- Up to 3% cashback
- Earn 5% with $500+ in direct deposits
- Build positive credit history before 18
Cash back with no foreign fees
Capital One Quicksilver Cash Rewards Credit Card
Go to site
- $0 monthly fee
- $200 cash bonus after spending $500 in the first 3 months
- Unlimited 1.5% cash back
- Low intro rates on purchases and balance transfers
9 best credit cards for teens
These are some of the best cards available to help teens build credit, either by being added as an authorized user or starting to build credit history prior to turning 18 with a secured card like Step.
Quick view
- Best overall: Step Visa Card
- Best for cashback: Blue Cash Everyday Card from American Express
- Best for unlimited cash back: Capital One Quicksilver Cash Rewards Credit Card
- Best for low-deposit secured card: Capital One Platinum Secured Credit Card
- Best for families: Greenlight
- Best for balance transfers: Citi Diamond Preferred Card
- Best for no credit: Discover It Chrome for Students
- Best starter credit card: Discover It Secured
- Best for traveling students: Bank of America Travel Rewards for Students
Best overall
Step Visa Card
4.7
★★★★★
Finder score
Step takes the win for Best overall with its secured credit card and digital account that's open to all ages, and requires an adult sponsor for those under 18. The Step card is a secured credit card that allows kids and young adults to build a credit history without taking on any debt. Teens can only spend the money that's in their Step deposit account. It has no monthly, annual or overdraft fees, late fees or no interest charges. They'll also earn up to 5% on their savings balance when they set up at least $500 a month in direct deposits. Other features include cashback rewards with parental permission for those under 18, referral bonuses, investing options and financial literacy education. Parents online praise the lack of fees and credit-building opportunities.
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Pros
- No monthly, annual or late fees
- Build credit without interest charges
- Cashback on select offers
- 5% savings reward with direct deposit
Cons
- No phone support
- Cashback rewards are time-sensitive
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APY 5.00% on balances of $0 to $250,000 5% savings reward with $500+ in direct deposits. Rewards Cash back on select offers Fee $0 per month Overdraft fee $0
APY | 5.00% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
verified_user FDIC Insured
Best for unlimited cash back
Capital One Quicksilver Cash Rewards Credit Card
4.2
★★★★★
Finder score
If you're a big spender and want unlimited cashback, this is a card worth checking out. The Quicksilver Cash Rewards allows authorized users of any age and has no annual fees. It earns 1.5% unlimited cash back on all purchases, and up to 5% cashback on hotels and rental cars booked through Capital One Travel. There are also no foreign transaction fees, and cashback rewards don't expire, which you can redeem for cash or gift cards. But once the 0% intro APR period on purchases and balance transfers is over, your APR will be 19.99% - 29.99% variable. A fee will also apply to transfers made in the first 15 months, and late fees can be up to $40. Customers praise the 1.5% cashback that makes everyday purchases cheaper, and Capital One's signup bonuses.
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Pros
- No annual or foreign transaction fees
- Up to 5% cashback on hotel and rental car bookings with Capital One Travel, terms apply
- Unlimited 1.5% cashback on all purchases
- Low intro interest rates on purchases and balance transfers
Cons
- Purchase and balance transfer APR may be up to 29.99% variable
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Annual fee $0 Purchase APR 0% intro for the first 15 months (then 19.99% - 29.99% variable) Balance transfer APR 19.99% to 29.99% variable Balance transfer fee applies (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time) Welcome Offer $200 cash bonus after you spend $500 on purchases within 3 months from account opening Rewards Up to 1.5% cash back
Welcome Offer | $200 |
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Rewards | Up to 1.5% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Best for low-deposit secured card
Capital One Platinum Secured Credit Card
4.4
★★★★★
Finder score
While many secured cards require minimum deposits around $200 to $500, the Capital One Platinum Secured Credit Card allows you to make a low deposit of $49, $99 or $200. The card accepts authorized users of any age, so it's a great starter card for teens. Parents could also earn their deposit back and upgrade to the unsecured Platinum card, if they maintain a positive history with the account. On the downside, you won't get a 0% intro APR, and you'll have an APR of 30.74% variable for purchases and cash advances, making it one of the highest APRs on this list. This card also doesn't offer a rewards or cashback program, and if you miss a payment you'll pay up to $40. Many customers praise this secured card, with many saying it was their first credit card, or the card they used to start rebuilding their credit score.
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Pros
- No annual fee
- Deposit as low as $49
Cons
- No 0% intro APR offer
- No cashback rewards
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Annual fee $0 Purchase APR 30.74% variable Balance transfer APR 30.74% variable Balance Transfer Fee applies to balances transferred at a promotional rate (0% at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you) Welcome Offer N/A Rewards None
Welcome Offer | n/a |
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Rewards | None |
Annual fee | $0 |
Minimum credit score | New / limited credit |
Best for cashback
Blue Cash Everyday® Card from American Express
4.6
★★★★★
Finder score
The Blue Cash Everyday Card was a no-brainer for our best overall for cashback, with its 3% cash back rate on select purchases, and acceptance of authorized users as young as 13. That 3% rate is for three categories: Supermarkets, online retail purchases and gas. Each category has a $6,000 earning yearly limit for the 3% rate, which drops to 1% afterwards. To reach your 3% earning cap, it'll take $200,000 in purchases for each category. All other purchases still earn up to 1% cashback, and there are other discounts available for select subscriptions and purchases. Plus, there's a 0% intro APR on purchases and balance transfers for 15 months, and the APR is 19.24% to 29.99% variable afterwards, depending on your creditworthiness. But you may face a late payment fee up to $40. Customers on Reddit say they're a fan of the card, praising the subscription discounts, good cashback rate and fantastic Amex customer service.
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Pros
- No annual fee
- Up to 3% cashback
- 0% intro APR for 15 months
- Credits for Disney Bundle and Home Chef
Cons
- Good credit required, 670+
- 3% cashback limited
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Annual fee $0 Purchase APR 0% intro for the first 15 months (then 19.24% to 29.99% variable) Balance transfer APR 0% intro for the first 15 months (then 19.24% to 29.99% variable) Either $5 or 3% of the amount of each transfer, whichever is greater. Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months. Rewards Up to 3% cash back
Welcome Offer | $200 |
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Rewards | Up to 3% cash back |
Annual fee | $0 |
Minimum credit score | 670 |
Best for families
![9 Best Credit Cards for Teens Under 18 | finder.com (8) 9 Best Credit Cards for Teens Under 18 | finder.com (8)](https://i0.wp.com/www.finder.com/niche-builder/658dc6ce11dc9.png)
Greenlight Family Cash Card
4.6
★★★★★
Finder score
Get the first 30 days for free.
The Family Cash Card is the fintech Greenlight's credit card, which allows parents to make their kids authorized users so that they can start building credit history well before they turn 18. The credit card offers cashback rewards up to 3% on all purchases, which parents and kids can both earn by meeting spending requirements. You can also auto-invest the cashback rewards into savings, which can earn 1% in savings rewards with the basic plan. You'll need a membership and there's a monthly fee, with the basic plan of $4.99 per month offering five debit cards for up to five kids, store-level parental controls, savings rewards, educational features and more. One of the only downsides is the cost, as you can't avoid the monthly fee. But all plans offer the Family Cash Card, and parents on Reddit have raved about the easy transfers and allowance features.
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Pros
- Add kids as authorized users to Family Cash Card
- Earn up to 3% in cashback
- Option to add cashback rewards to savings
- Earn savings rewards
Cons
- Requires paid Greenlight plan
- No physical branches
- Cashback rate based on monthly spending
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APY N/A Intro or bonus offer Get the first 30 days for free. Fee $4.99 per month ATM transaction fee $0
Fee | $4.99 per month |
---|---|
Minimum deposit to open | $0 |
Best for balance transfers
Citi® Diamond Preferred® Card
4.6
★★★★★
Finder score
This card offers a long 21-month 0% APR period for balance transfers, as well as a 0% intro APR for purchases for 12 months — significantly longer intro periods than other options. There's no age requirement for authorized users, making it a good option for your teen. Also enjoy no annual fees, and the Citi Entertainment program that has access to presale ticket access and exclusive events. While the 0% intro APR is great, there's a $5 or 5% balance transfer fee of the amount of each credit card balance transfer, whichever is greater, but that's pretty standard. After the 0% intro period for balance transfers ends, the APR rises to 18.24% to 28.99% variable for purchases and balance transfers. On the downside, it's one of the few cards on this list without a cashback or rewards program, and late fees can be up to $41. Redditors state the card is useful for balance transfers, but may not be the best everyday card due to the lack of rewards.
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Pros
- No annual fees
- Long 21-month 0% APR for balance transfers
- 12-month 0% intro APR for purchases
- Access to Citi Entertainment perks
Cons
- No cashback or rewards program
- 3% foreign transaction fee
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Annual fee $0 Purchase APR 0% intro for the first 12 months (then 18.24% to 28.99% variable) Balance transfer APR 0% intro for the first 21 months (then 18.24% to 28.99% variable) Balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater Welcome Offer N/A Rewards None
Welcome Offer | n/a |
---|---|
Rewards | None |
Annual fee | $0 |
Minimum credit score | 670 |
Best for no credit
![9 Best Credit Cards for Teens Under 18 | finder.com (10) 9 Best Credit Cards for Teens Under 18 | finder.com (10)](https://i0.wp.com/www.finder.com/niche-builder/5ea879bb1c770.png)
Discover it® Chrome for Students
The Discover It Chrome for Students credit card doesn't require a credit history to qualify, making it a great option for young teens or those with no credit history. Teens must be at least 15 years old to qualify as an authorized user. The Chrome card is similar to the Discover It Secured card, but this one doesn't require a security deposit as it's a traditional, unsecured card. The cashback rewards are also solid, letting you earn up to 2% cash back at gas stations and restaurants up to $1,000 each quarter, and 1% unlimited cash back everywhere else. Like other Discover credit cards, you'll get a dollar-for-dollar match on all of the cashback you've earned at the end of your first year. There's a short introductory 0% APR for six months, then the rate goes up to 18.24% to 27.24% variable APR for purchases, depending on your creditworthiness. First late payment is free, and $41 afterwards. Customers online frequently mention Discover It Chrome as a top intro card for teens and college students, or for those with poor credit scores looking to get started with revolving credit.
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Pros
- No annual fee
- No credit score required
- Up to 2% cashback on select purchases
- Cashback match for first year
Cons
- Short 6-month 0% intro APR
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Annual fee $0 Purchase APR 0% intro for the first 6 months (then 18.24% to 27.24% variable) Balance transfer APR 10.99% intro for the first 6 months (then 17.99% to 26.99% variable) Welcome Offer Discover will match cash back at the end of your first card year Rewards Up to 2% cash back
Welcome Offer | Other |
---|---|
Rewards | Up to 2% cash back |
Annual fee | $0 |
Minimum credit score | 580 |
Best starter credit card
![9 Best Credit Cards for Teens Under 18 | finder.com (11) 9 Best Credit Cards for Teens Under 18 | finder.com (11)](https://i0.wp.com/www.finder.com/niche-builder/5ea87a2e84f54.png)
Discover it® Secured
4.4
★★★★★
Finder score
With no annual fee, no credit score requirement, and accepting teens 15+ as authorized users, Discover It Secured credit card is a great starter card. Start with a $200 opening deposit and earn 2% cashback at gas stations and restaurants up to $1,000 each quarter, and 1% unlimited cash back on all other purchases. The dollar-for-dollar match program is offered as well, doubling all your cashback you earned at the end of your first year. After seven months, Discover reviews the account history to see if you qualify for a traditional unsecured credit card and you can earn your deposit back. However, the APR is 28.24% variable for purchases, and 29.99% variable for cash advances. Your first late payment is free, but afterwards, a $41 late fee applies. This card is highly praised and recommended online, with many customers stating it helped them unlock a regular unsecured card, they got their deposits back without asking and it was a great introduction to revolving credit.
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Pros
- No annual fee or credit score required
- Low $200 minimum security deposit
- Up to 2% cashback on select purchases
- Cashback match for first year
Cons
- High 28.24% APR
- No 0% intro APR
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Annual fee $0 Purchase APR 28.24% variable Balance transfer APR 10.99% intro for the first 6 months (then 27.99% variable) Balance transfer fee of 3% Welcome Offer Discover will match cash back earned at the end of your first card year Rewards Up to 2% cash back
Welcome Offer | Other |
---|---|
Rewards | Up to 2% cash back |
Annual fee | $0 |
Minimum credit score | 300 |
Best for traveling students
![9 Best Credit Cards for Teens Under 18 | finder.com (12) 9 Best Credit Cards for Teens Under 18 | finder.com (12)](https://i0.wp.com/www.finder.com/niche-builder/63d198df7d62f.png)
Bank of America® Travel Rewards for Students
4.1
★★★★★
Finder score
For the globetrotting students or parents, the Bank of America Travel Rewards for Students card is worth looking into. It's full of perks well-suited for traveling and everyday use. There's no age restrictions for authorized users, making a great option for teens. There are no foreign transaction fees or annual fees, and you can earn 1.5 points for every $1 spent on all purchases. Points can be redeemed for flights, hotels, vacation packages, rental cars and more. And if you make at least $1,000 in purchases in the first 90 days of opening the card, you can get 25,000 bonus points — and the reward points don't expire. There's also a 15-month intro 0% APR period. Once it's over the APR goes up to 18.24% to 28.24% variable APR, and late fees are up to $40. The reviews for this card are mixed, with customers online stating the rewards program is lackluster, it's really only suited for international travelers and that there are better domestic travel cards to look for.
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Pros
- No annual or foreign transaction fees
- 0% APR for 15 months
- 1.5 non-expiring points on all purchases
- Redeem points for future travel expenses
Cons
- Can't redeem points for cash
- 29.99% penalty APR for late payment
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Annual fee $0 Purchase APR 0% intro for the first 18 billing cycles (then 18.24% to 28.24% variable) Balance transfer APR 0% intro for the first 18 months (then 17.99% to 27.99% variable) Welcome Offer 25,000 points after spending $1,000 in the first 90 days Estimated welcome offer value $250 based on Finder's valuation Rewards Up to 1.5x points
Welcome Offer | 25,000 points |
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Rewards | Up to 1.5x points |
Annual fee | $0 |
Minimum credit score | 580 |
Methodology: How we choose the best teen credit cards
Finder’s banking experts look at over 700 credit cards to narrow down the best ones for teens. We heavily consider credit cards that accept authorized users under age 18, secured and unsecured options, cashback rewards and nationwide availability. We consider cards that meet this minimum criteria:
- $0 annual fee
- $0 or max $5 monthly fee, as long as there are extra perks.
- Maximum APR of 30.50%
- Credit scores 670 or lower
You must be 18 years old to apply for a credit card
Legally, you can’t get a credit card until you’re at least 18 years old. However, teens under 18 can become authorized users on an adult’s account, enabling them to build a strong credit history and increase their chances of qualifying for better credit card options — such as rewards or travel cards — once they’re old enough to apply.
Once they turn 18, they can apply for a credit card on their own. However there’s a minor stipulation for those aged 18 and 20 years old: the Credit Card Accountability Responsibility Disclosure (CARD) Act requires that they must provide proof of income to show their ability to repay the card’s payments, or have a cosigner who is at least 21 years old. Once they’re 21 years old, these requirements are lifted, though many lenders may still request proof of income before approving a line of credit.
Is your teen ready for a credit card?
It depends on your teen’s level of responsibility. If you’re not sure they’re ready, consider introducing them to a debit or prepaid card, such as Greenlight. These cards offer a safe way to teach teens how to manage their money while granting them some spending freedom. They often have spending limits, but they don’t typically build credit, and you may have to pay a monthly fee, depending on the provider.
Another option is to add them as an authorized user on a secured credit card or open a type of secured with more traditional banking options, such as Capital One. These cards allow teens to make purchases up to the amount available in their account, promoting responsible spending habits.
Authorized users age requirements
Consider the minimum age authorized users requirements for our best credit card options for teens.
Product | Minimum age for authorized user | Authorized user fee |
---|---|---|
Step Visa Card | 18+ to be a co-sponsor | Free |
Blue Cash Everyday® Card from American Express | 13+ | Free |
Capital One Quicksilver Cash Rewards Credit Card | 18+ | Free |
Capital One Platinum Secured Credit Card | 18+ | Free |
Citi® Diamond Preferred® Card | No minimum | Free |
Discover it® Chrome for Students | 15+ | Free |
Discover it® Secured | 15+ | Free |
Bank of America® Travel Rewards for Students | No minimum | Free |
Pros and cons of getting your teen a credit card
There are many more upsides than downsides when it comes to adding your teen as an authorized user on a credit card.
Pros
- Parents have control. You’d be the primary account holder, having control over the account and getting insight into their spending. Alternatively, you can add them to your account to help them build credit without giving them their own card.
- Builds credit. Adding a teen as an authorized user helps them start building credit history early. This way, they’ll have better approval chances when they’re ready to borrow on their own.
- Convenient for everyone. Instead of giving your teen cash for meals, transportation or supplies, a credit card means they always have access to funds, which is also helpful in the case of emergencies.
- Earn rewards. With another user on your credit card account, you could earn cashback rewards or travel points from spending a lot quicker.
Cons
- Overspending. There’s the risk that your teen goes buckwild with their new credit card and overspends. Avoid this by teaching them how their credit utilization ratio affects their credit score and how high balances make it hard to repay over time.
- Late fees. These fees are often around $40 per late payment, which can really add up.
- Could damage credit scores. If your teen overspends and you’re unable to repay the balance on time, it’s a surefire way to damage both yours and your teen’s credit score.
- Theft or fraud. Although credit card fraud can happen even if you take all necessary precautions, teach your teen to recognize which sites are safe and which aren’t for online use.
What if my teen is entering college?
There are many student credit cards geared towards those exiting high school and entering college. And just because a teen is in high school doesn’t mean they can’t get a credit card. If they’re at least 18, they can apply for a credit card on their own — but they’ll need some income to prove they can repay what they’ve borrowed.
For a safer option, there are also secured credit cards and credit-debit cards that are secured by a bank account. One great example the Fizz card, which is a debit-credit card that’s designed with college students in mind. It offers cashback rewards, daily autopay to keep balances down, no interest charges and there’s no credit check.
Dive deeper Student credit cards
Bottom line
Preparing your teen for a credit card helps them toward their financial future. But before adding them as an authorized user on your account, ensure they have proper financial supervision and a clear understanding of how credit cards work.