• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Credit Scores How to Get a Credit Card at 18 Years Old (And Why You Should)

How to Get a Credit Card at 18 Years Old (And Why You Should)

18th birthday cake next to a credit card representing getting credit at 18

At a glance

Credit card companies have strict requirements for applicants under 21, but you may be able to get a credit card at 18 if you’re financially independent or have a cosigner.

Instantly access your report and discover your credit score from all three credit bureaus.

Checking your score won't hurt your credit.

Written by Victoria Scanlon

Reviewed by Robert Jellison

Jun 24, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Once you turn 18, you’re considered a legal adult and you can officially make legal agreements and sign contracts, including credit card contracts. However, even though technically you only need to be 18 years old to apply for a credit card of your own, federal law makes it difficult to get one if you’re under 21.

To maximize your chances of getting approved for a credit card at 18, you’ll need to understand what the requirements are and what you can do to meet them.

Table of Contents

  1. How to meet credit card requirements when you’re under 21
  2. Why you should get your first credit card while you’re young
  3. What credit cards can you get at 18?

How to meet credit card requirements when you’re under 21

Under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (aka the Credit CARD Act), you can only get a credit card at 18 if you apply with a cosigner or show proof that you’re financially independent. 1 You’ll be rejected if you still depend on your parents or you’re a student with no income.

The Credit CARD Act applies to all banks and financial institutions, so if you can’t prove that you have a source of income, it’s unlikely that any company will approve you for a credit card before you turn 21.

This is one of the main dilemmas of building credit as a teenager. However, not all hope is lost. There are still three ways you can get a credit card at 18.

1. Get a job

Showing proof of employment is the simplest way to demonstrate that you’re financially independent at 18. If you’re serious about getting your first credit card right now and don’t want to wait a couple of years, then you can just get a job.

Once you have an employment contract and salary, you’ll be able to prove that you can afford the minimum monthly payments on a credit card. This will significantly boost your odds of approval.

What to put for “income” on your credit card application

When applying for a credit card at 18, make sure to specify your source of income, such as “employment” or “public benefits.” If you simply write “unemployed” or “student” in the income section of your credit card application and don’t provide any evidence that you have a steady income, then your application will likely get rejected.

2. Ask a parent to cosign your application

If you’re not ready to get a job and you don’t have any other source of income, then you can still open your own credit card account by getting someone you trust (like a parent or close friend) to cosign your application.

Bear in mind that cosigners are making a commitment to repay your debts if you don’t, so carefully consider the potential consequences before committing. Additionally, not all banks allow cosigners, so you may need to look around to find one that’ll accept your credit card application.

3. Become an authorized user

One other way to get a card when you’re 18 is to ask someone to make you an authorized user on their credit card. As an authorized user, you’ll receive your own copy of their card, although you won’t get your own separate line of credit—you’ll use the primary cardholder’s, and your credit limit will be tied to theirs.

Being an authorized user can benefit your credit score if the bank reports the primary cardholder’s account details to the credit bureaus. For best results, share the account with someone who has a good credit score and strong payment history.

Why you should get your first credit card while you’re young

You can start building credit at any age, but one of the secrets to establishing good or excellent credit is starting while you’re young. The length of your credit history is one of the factors that affect your credit score, and all the major credit scoring models reward consumers with longer credit histories.

Having a long track record of managing credit suggests that you’re less likely to default on your future debts.

Opening your first credit account when you’re 18 will give your credit history more time to age. Even if you don’t think it’s necessary now, good credit comes with many benefits that you may be grateful for down the line, like low interest rates on car loans and mortgages.

You can’t use a prepaid card to build credit

You might have read that if you can’t qualify for a credit card yet, you should get a prepaid card, which is a card that you can load money onto (much like a retail gift card). It’s true that you can use these cards like credit cards or debit cards, so they’re a decent fallback option, but unfortunately, prepaid cards don’t appear on your credit report and won’t improve your credit score.

What credit cards can you get at 18?

If you’ve decided to get your first credit card, that’s great! However, don’t just jump at the first offer you see. Take time to research the best credit cards for 18 year olds and find one that fits with your financial needs and goals.

Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Capital One Platinum credit card
Capital One® Platinum Secured Credit Card Apply
No Credit 300–669 $0 Apply
Discover it student cash back credit card
Discover it® Student Cash Back Apply
Rewards 580–739 $0 Cashback match Apply
Bank of America Travel Rewards Credit Card
Bank of America® Travel Rewards for Students Apply
Travel 580–739 $0 Apply
Chase Freedom Student Visa credit card
Chase Freedom® Student Apply
Visa 580–739 $0 $50 Bonus Apply
Deserve EDU student credit card
Deserve® EDU Mastercard® Apply
International Students 580–739 $0 Apply
View All Student Credit Cards
Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Discover It secured credit card
Discover it® Secured Credit Card Apply
Secured 300–669 $0 Cashback Match Apply
Prosper Card
Prosper® Card Apply
Unsecured (No Deposit) 300–669 $39 ($0 for the first year if you set up autopay) Apply
First Progress Platinum Prestige Mastercard secured credit card
First Progress Platinum Prestige MasterCard® Secured Credit Card Apply
Beginners 300–669 $49 Apply
Discover it student cash back credit card
Discover it® Student Cash Back Apply
Students 580–739 $0 Cashback match Apply
Petal 2 cash back no fees visa credit card
Petal 2 "Cash Back, No Fees" Visa® Apply
No Annual Fee 300–669 $0 Apply
OpenSky Secured Visa credit card
OpenSky® Secured Visa® Apply
High Approval Odds 300–669 $35 Apply
Capital One Platinum credit card
Capital One® Platinum Secured Credit Card Apply
Building Credit 300–669 $0 Apply
View All Starter Credit Cards
Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Discover It secured credit card
Discover it® Secured Credit Card Apply
No Credit Overall 300–669 $0 Cashback Match Apply
First Progress Platinum Prestige Mastercard secured credit card
First Progress Platinum Prestige MasterCard® Secured Credit Card Apply
Starters 300–669 $49 Apply
Discover it student cash back credit card
Discover it® Student Cash Back Apply
Students 580–739 $0 Cashback match Apply
OpenSky Secured Visa credit card
OpenSky® Secured Visa® Apply
No Credit Check 300–669 $35 Apply
Petal 2 cash back no fees visa credit card
Petal 2 "Cash Back, No Fees" Visa® Apply
No Annual Fee 300–669 $0 Apply
Total Visa credit card
Total Visa® Card Apply
Unsecured (No Deposit) 300–669 $75 for the first year ($48 after) Apply
Prosper Card
Prosper® Card Apply
High Credit Limit 300–669 $39 ($0 for the first year if you set up autopay) Apply
Surge Mastercard credit card
Surge Mastercard® Unsecured Credit Card Apply
Instant Approval 300–669 $75–$99 the first year, then $99 annually Apply
Tomo Credit Card
Tomo Credit Card Apply
Beginners 300–669 $0 Apply
View All No Credit Credit Cards
Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Discover It secured credit card
Discover it® Secured Credit Card Apply
Secured Overall 300–669 $0 Cashback Match Apply
OpenSky Secured Visa credit card
OpenSky® Secured Visa® Apply
No Credit Check 300–669 $35 Apply
Self Visa credit card
Self Visa® + Credit Builder Account Apply
Beginners 300–669 $25 Apply
Bank Americard Secured credit card
BankAmericard® Secured Credit Card Apply
No Annual Fee 300–669 $0 Apply
First Progress Platinum Prestige Mastercard secured credit card
First Progress Platinum Prestige MasterCard® Secured Credit Card Apply
Bad Credit 300–669 $49 Apply
Citi Secured Mastercard credit card
Citi® Secured Mastercard® Apply
Rebuilding Credit 300–669 $0 Apply
View All Secured Credit Cards

Student credit cards

Student credit cards are a popular choice among young adults in their teens and 20s. They often have low to nonexistent credit score requirements and sometimes come with perks to appeal to young adults who are looking to build credit for the first time.

For more details, check out the offers available right now for the best student credit cards currently on the market.

Bear in mind that you may need to prove your status as a student to qualify, and you can’t get a student credit card with no income. Also, be sure to check for credit score requirements before applying.

Secured credit cards

Secured credit cards are a reliable choice for beginners and people who are trying to rebuild their credit. They require a security deposit equal to the card’s credit limit, which protects the credit card company from losses in case your account goes into delinquency.

This may seem like a drawback, but the low risk for lenders makes secured cards the easiest credit cards to get for 18-year-olds. They’re also a popular option for building credit at 18.

If you like the sound of a credit card with few eligibility requirements and low commitment, then take a look at some of the secured cards above.

Unsecured credit cards

if you’re like the majority of 18-year-olds who are completely new to credit (meaning you have no credit score), then getting an unsecured credit card will be tough, even if you can show that you have a stable and independent income. Most of these cards require at least a fair or good credit score.

Fortunately, there are several credit cards available for people with insufficient credit histories. Check out our list of the best credit cards for people with no credit, particularly the following two cards, which are both unsecured:

  • Surge Mastercard® Unsecured Credit Card
  • Milestone® Mastercard®

If you’re not able to secure one of those cards, don’t worry—you might still be able to get a credit card while you’re 18, just not right away. Read our tips for building credit when you have none and try again for a credit card in a few months.

Takeaway: You can get a credit card at 18 by applying with a cosigner or proving that you’re financially independent.

  • Although the legal age required to get a credit card is 18, you’ll need to meet additional requirements if you’re applying while under the age of 21.
  • The Credit CARD Act of 2009 requires that credit card applicants under 21 years old either apply with a cosigner or prove that they can support themselves financially.
  • You can demonstrate financial independence by showing that you have a source of income, such as a job.
  • Getting a credit card when you’re 18 is a good idea because starting to build credit while you’re young gives your credit more time to age and improve.
  • If your credit card applications are getting rejected, consider building up your credit by getting a secured card or becoming an authorized user on a parent’s credit card.

Article Sources

  1. U.S. Code. "Public Law 111–24 111th Congress" Retrieved June 24, 2022.

Victoria Scanlon

Credit & Finance Editor

View Author

Victoria Scanlon is a professional writer, editor, and researcher for FinanceJar. She has experience editing research for publication in academic journals and writing educational content. Her goal is to help non-experts better understand topics related to personal finance and credit repair so that they can make more-informed financial decisions.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.