Best Credit Card For 18 Years Old and Below

Before you turn 18, you can be added to your parents Credit Card as an authorized user and begin to build your credit card history for better credit score rate in the near future.  When you turn 18, it’s a different things, you can now begin to own and manage your personal credit card without taking any approval from parents or guardians.

What if I need a credit card before I turned 18? Don’t panic, here we got you covered because I’m going to review some best Credit Card for 18 year and below. Of-course, every child and family are in different situation. And I don’t know why you need a credit card so urgent. But whatever your reasons might be, here are some recommendations.

Best Credit Card for 18-Years old

1. Discover it Students Cash Back

Discover it student credit card
Best For – Rotating cash back categories, earn top tier reward and start building your credit history.
Annual Fees – Total Zero percent fee
Reward Rate – Earn 5% cash back on everyday purchases in select rotating categories, on up to $1,500, when you activate. Earn unlimited 1% cash back on everything else. Also, you will earn a $20 statement credit each school year when your GPA is 3.0 or higher for up-to the next 5 years. 

Sign up Bonus – Not available. But discover will match and double all cash back earned from the first year. So you could turn $50 cash back to $100 and $100 to $200 respectively.

2. Journey Student Reward From Capital One

Journey reward student credit card from capital one

Best For – One-time bill payment and build credit history for tomorrow with responsible use.

Annual Fees – None

Reward Rate – Earn 1% cash back on all purchases, with a boost to a total of 1.25% cash back with on-time monthly payments. Plus, earn $5 per month for 12 months on select streaming subscriptions when you pay on time. Exclusions apply.

Sign up Bonus – None.

3. OpenSky Secure Visa Credit Card

OpenSky Secure Visa Credit Card for student

Best For – Limited/bad credit

Annual Fees – $35

Reward Rate – None. However, You can qualify for this secured card with no credit check and no bank account. However, there’s an annual fee, and the card doesn’t give you a way to upgrade to a regular unsecured card.

Sign up Bonus – None. Infact requires minimum deposit. 

4. Bank Of American Customized Cash Reward For Student

Bank of America customized cash reward for student

Best For – Unlimited Cash Back Rewards

Annual Fees – None.

Reward Rate – 3% cash back in the category of your choice – online shopping, off-campus dining and more, however, 0% for 15 billing cycles

Applies to purchases and to any balance transfers made within 60 days of opening your account.

Sign up Bonus – None. 3 percent of transactions fees of minimum of $10.

5. Deserve EDU MasterCard

Deserves EDU MasterCard

Best For – Low credit requirements
Annual Fees – $0
Reward Rate – Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59). Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you’ll automatically start earning cash back on all purchases.

Sign up Bonus – $30 when you refer a friend.

6. Petal 2 Visa Credit Card

Petal-2 visa credit card

Best For – Low fees

Annual Fees – $0

Reward Rate – Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away and 2%-10% cash back at select merchants. $500-$10,000 credit limits.

Sign up Bonus – No signups bonus. No deposit required.

7. Capital One Platinum Secured Credit Card

Capital One Platinum credit card

Best For – Low deposit

Annual Fees – $0

Reward Rate – None

Sign up Bonus – None. But Put down a refundable security deposit starting at $49 to get a $200 initial credit line.


Before you turn 18, you might need credit card to do one or two things maybe in the store, supermarket or phermacy. You may even need in your school. Whatever reason you want to get credit before 18, here are best Credit Card for 18 year old and below. Share this article to your via the social media icon below and feel free to comment. I will reply as soon as possible.
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