What Credit Cards Allow Minors to Build Credit? (2024)

Any credit card that allows authorized users under the age of 18 can help minors build credit. While minors can’t apply for a credit card on their own, it’s relatively easy for a parent, guardian, or other relative to add a minor as an authorized user on their own account. Most major credit card issuers currently let minors become authorized users, and many have no minimum age requirement.

Minimum Age for Authorized Users by Credit Card Company

• American Express: 13 years old
• Bank of America: None
• Barclays: 13 years old
• Capital One: None
• Chase: None
• Citibank: 16 years old
• Navy Federal Credit Union: None
• PNC: 16 years old
• Synchrony Bank: None
• U.S. Bank: 13 years old
• Wells Fargo: 18 years old

Once a minor turns 18 years old, they should apply for a credit card on their own. There are several credit cards for beginners that are useful for building credit, though if you’ve already established credit as an authorized user or from taking on other types of debt, you may be able to qualify for even better offers.

Best Credit Cards to Build Credit With Once You Turn 18

Becoming an authorized user is one of the best ways to establish credit before you turn 18. If you’re new to credit, you should have your first credit score within six months, and your credit will be affected whether or not you use the card yourself. As you work to build your credit, you can check your credit score for free on WalletHub, and read our full credit-building guide for more helpful tips.