One of the best ways to build credit is to open a credit card. If you want to open one, you need to know the qualifications and age requirements that you have to meet. So how old do you have to be to get a credit card?

If you’re 21 years old, you can apply for a credit card as the main cardholder. But if you’re under 21 years old, you need to have a source of income to show that you can pay the bills independently. If you’re under 21 and you don’t have a source of income, you can still apply for a credit card. However, you need to apply with another person who has a credit history and income to qualify for a credit card.

Credit Cards Options for Applicants without a Credit History

Retail credit cards and student credit cards are some of the best options for those who don’t have a credit history. You can apply for student credit cards if you’re receiving some kind of financial aid, allowance from your parents or income from your job.

Another option is to apply for a secured card. This kind of card requires you to provide a security deposit, which is typically equal to the credit limit of the account. You will get the security deposit back once you convert your card into an unsecured one or close the account.

Can You Get a Card If You’re Under 18?

If you are under 18 years old, you can get a credit card if someone adds you to their account as an authorized user. You can use their credit cards to make purchases. The main cardholder will make the payments, but you also need to discuss how you’re going to repay him. If the cardholder has good credit, you can benefit from it as well. The credit activity and account history of the main cardholder will usually appear on your credit report. And if it’s good, it can improve your credit history as well. Not all card providers do this, so ask your card provider if they report all activities on an authorized user account.

If you can’t get a card due to certain circumstances, consider applying for a prepaid card. Unlike credit cards, prepaid cards allow you to prepay all purchases you make using the card. This can help you avoid reckless spending or missed payments. Prepaid cards won’t any influence your credit history. If you’re already 21, the credit card provider will look at your credit profile and credit history. They will also look at your payment history as well as the amount you owe to creditors. If you have outstanding balances and missed payments, your application may not get approved.

But regardless of your existing credit profile and credit history, there’s always a card that fits your exact needs. Some cards are designed for applications with limited credit activities and profiles. You just need to do your homework to find the right card for you.