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How Old To Be An Authorized User On A Credit Card? (Solved)

Credit Card Age Requirements for Children

Authorized-User Minimum Age Requirements by Issuer
Credit Card Issuer Age Requirement
Discover 15 years old
U.S. Bank 16 years old
Wells Fargo No minimum age requirement

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How old do you have to be to be an authorized user?

  • Minimum Age. The minimum age to become an authorized credit card user can vary, depending on the issuing company. According to, US Bank has the highest minimum age requirement: authorized users must be at least 16 years old. Both American Express and Discover allow consumers to add authorized users who are 15 years old.

Does adding your child as an authorized user help their credit?

Adding a child as an authorized user on your credit card can help those with limited or no credit history start building a credit file. This allows them to get better credit offers (loans, mortgages, car leases and more) once they are older.

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Can a 14 year old own a credit card?

You can get a credit card at 14 as an authorized user, but you have to be at least 18 years old to open a credit card account in your own name. In the meantime, you can begin to build credit as an authorized user, and you can always use a debit card for everyday purchases.

When can a child become an authorized user on a credit card?

Bottom line. Typically, the minimum age to be an authorized user is 13, but some card issuers like Capital One, Citibank and Wells Fargo don’t specify the minimum age.

Whats the youngest An authorized user can be?

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

  • American Express: 13 years old.
  • Bank of America: No minimum age requirement.
  • Barclays: 13 years old.
  • Capital One: No minimum age requirement.
  • Chase: No minimum age requirement.
  • Citi: No minimum age requirement.
  • Discover: 15 years old.
  • U.S. Bank: 16 years old.

Can I add a 12 year old to my credit card?

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.

Can I add my 16 year old to my credit card?

Yes, you can add your teenager to your credit card as an authorized user, but the teen’s age will matter to some credit card companies. American Express and Discover require authorized users to be at least 15 years old, for example, while U.S. Bank requires them to be 16.

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Can I get a credit card at 11?

Legally, no one can get a credit card on their own unless they’re at least 18 years old. However, a minor can be an authorized user on someone else’s account.

How do I build credit under 18?

If you’re interested in building your child’s credit before they turn 18, you can explore adding them as an authorized user to one or more of your credit cards. There is no legal minimum age for adding a child as an authorized user, however you should check your credit card issuer’s policies.

How can I build my child’s credit?

8 tips for parents to help their children build good credit early

  1. Start early.
  2. Teach the difference between a debit card and a credit card.
  3. Incentivize saving.
  4. Help them save early for a secured credit card.
  5. Co-sign a loan or a lease.
  6. Have them report all possible forms of credit.
  7. Add your child as an authorized user.

Can a minor have a credit score?

Unless you’ve taken action to help your young child develop a credit history, he or she most likely doesn’t have a credit report. At that stage, a credit report is born. Minors can’t sign a loan or credit card contract, but they can become authorized users on their parents’ credit card accounts.

Does an authorized user build credit?

Being added as an authorized user on another person’s card may help you establish a credit history or build your credit. Yet cardholders and authorized users’ on-time, late or missed payments will be added to both parties’ credit reports, so it’s important that cardholders and authorized users see eye to eye.

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Does adding someone to your credit card hurt your credit?

Adding an authorized user to your credit card account alone shouldn’t have a negative impact on your credit. But keep in mind that if that person uses your credit irresponsibly, negative credit impact could follow.

Can I open up a credit card in my child’s name?

Strictly speaking, parents cannot open a credit card account for their minor children. Only a person age 18 and over can enter into a legally binding contract, which includes applying for a credit card as the primary account holder.

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