I am 17 years old and have been working since I was 15. I just want one so I can start to build my credit. Are there any credit cards I can get?

Answered on January 13, 2011
Updated on January 13, 2011
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
At 17, most likely you are going to face some difficulties qualifying for any credit card. According to new credit card laws banks and credit card issuers are not allowed to issue credit cards to anyone under 21 unless they have a parent co-signer on the credit card accounts or provide proof they have sufficient income to qualify for the credit card that is they are able to repay their card debt. So, do it, show proof of your sufficient income or ask your parents to help you. If your parents are willing to help, alternatively you can contact their credit card companies to see if you can get a credit card from them. With your parents as co-signers it is possible you will be able to get a traditional credit card. If you want to compare cards and apply online for the card you like best BestCreditOffers.com is a good website to visit. Be good with your money and know that credit cards are not something to take lightly.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards have rewards programs that allow you to earn cash back on your purchases that may potentially cover your deposit expenses.
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not to miss payments and pay off your balance. After that, getting approval for an unsecured card will be much easier. For example, you may consider the Merrick Bank Secured Credit Card. This card can help you build credit, since your account activity will be reported to all three major credit bureaus. The amount of your deposit determines your initial credit...

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.