The Rules for Kids & Credit Cards Some card issuers require that the authorized cardholder be at least 13 or 15 years old while others have no age limitations. You can contact your credit card issuer to find out its policy on adding a minor as an authorized cardholder.

What age can kids have their own credit card?

18 years old
A minor cannot get their own credit card account. You must be at least 18 years old to do so. But all major credit card companies allow customers to get authorized-user credit cards for minors. Many don’t even have a minimum age for authorized users.

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

Half of the 10 major issuers surveyed by CreditCards.com allow minors as authorized users with no minimum age. 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.

Can a minor be an authorized user on a credit card?

Most major card issuers allow you to add a minor as an authorized user. Some of those impose a minimum age, others don’t. A few cards prohibit cardholders from adding minors altogether. The question of whether you can add your child to your card as an authorized user hinges on age.

How old do you have to be to start building credit?

However, by using the authorized user credit piggybacking strategy, young people can start building credit earlier than you may think. Many credit card issuers have no minimum age requirement for authorized users.

How old does your child have to be to have a credit report?

Credit reports aren’t automatically generated for minors. More than likely, if your child is 13 years old or younger, he or she doesn’t have a credit history at all. Credit histories are based on the actual credit card and loan accounts you apply for and open in your name along with some other personal information like addresses.