Best Credit Cards for Those With Excellent Credit
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How Old Do You Have to Be to Get a Credit Card?
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Last Updated: August 29, 2025
Key Takeaways
- You must be 18 or older to apply for a credit card in your name.
- Borrowers between 18 and 20 must prove they have independent income to qualify for a credit card.
- Primary cardmembers may be able to add individuals younger than 18 as authorized users to their credit card account.
| Age Range | Credit Card Options |
|---|---|
| Younger than 18 | If you're under 18, you may generally be added to a cardmember's account as an authorized user (depending on the issuer). This is a great way to build credit as long as the Authorized user and primary holder use the card responsibly and it reports to the credit bureau. However, you won't be able to apply for your own credit card until you turn 18. |
| 18-20 | If you're 18, 19, or 20 years old, you may be eligible to apply for some credit cards. However, you'll need to demonstrate that you have enough income to pay your credit card bills. |
| 21 or older | If you're 21 or older, you may apply independently for any type of credit card. However, you'll still need to meet the card issuer's other eligibility requirements, such as income or credit score requirements. |
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