Kids can’t open their own credit card account until they turn 18, and will need to prove independent income until they’re 21. But even before then, minors can benefit from becoming authorized users on a family member’s credit account.

What is the minimum age for a credit card?

18
The minimum age to open a credit card as the primary account holder is 18. But due to regulations from the Credit CARD Act of 2009, applicants 18 to 20 might encounter stricter verification requirements, including showing proof that they can independently repay what they borrow.

How can I get my kids credit card?

The first strategy to consider is adding your children as authorized users on your existing credit card accounts. This means you’re essentially giving your children access to your credit card — but in their names. They can then use all the features of the card, but the primary account owner (that’s you!) is responsible for the payments.

Can a child get a prepaid credit card?

Luckily, there are a few financial companies that will allow kids to get debit cards and prepaid credit cards. These types of tools can be a great way to help your child learn about handling money while living at home. You can use them to prepare kids for the financial temptations and money management issues they’ll face as adults.

How old do you have to be to get a credit card for a child?

If you find that your credit card issuer doesn’t allow you to get a credit card for a child under 18 as an authorized user, or has a minimum age requirement that’s too high, consider applying for a new credit card.

Why is it important to get your child a credit card?

Many parents help their children get a first credit card so they can build credit. While establishing a credit history for your child is a valid reason for taking this step, it’s definitely not the most important one. How long someone has used credit is only a minor factor (15%) in calculating their credit score.