Your ability to add your child as an authorized user on your credit card depends on their age and your bank’s rules. Children who are 18 and older can be added as an authorized user without issue. But some banks may not allow children under a certain age to be added as an authorized user.

When can I put my child as an authorized user on my credit card?

13 years old
American Express, for example, requires children to be 13 years old before you can add them as authorized users to your credit card. Other card issuers, like Capital One, leave the age of authorized users up to the primary cardholder’s discretion.

Can a 13 year old be an authorized user on a credit card?

For example, Bank of America, Capital One, and Chase all allow children to be added to a primary account holder’s card regardless of age. Of the rest, most allow minors but impose a minimum age in the teens, usually between 13 and 16. For example, American Express requires authorized users to be 13.

What’s the minimum age to be an authorized user on a credit card?

If you’re looking to jump-start your kid’s credit history or track their spending, consider adding your child as an authorized user on your credit card. Becoming an authorized user has looser age requirements than if your kid opened their own card, since the minimum age to open a credit card as the primary account holder is 18.

How old do you have to be to open a credit card?

Becoming an authorized user has looser age requirements than if your kid opened their own card, since the minimum age to open a credit card as the primary account holder is 18.

How old do you have to be to get a Capital One credit card?

Most major credit card issuers allow you to add a minor to your account and have a card issued in his or her name. Bank of America, Capital One, and Chase allow additional authorized users of any age. Just about every other issuer places an age limit of 13 to 16 years old for authorized users.

Can a minor get a credit card in their own name?

Although minors cannot apply for a credit card account in their own name, many credit card issuers allow them to be added to an adult’s account as an authorized user. For example, the Discover card allows primary account holders to add up to five additional authorized users at no charge.