Get a credit card for your kids and teens.

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As a parent, you want to prepare your child for the future. One way to do so is by teaching them about money management. A credit card for kids can be a great tool to introduce them to financial responsibility. In this article, we’ll explore the options available to help you make an informed decision.

Can I get a credit card for my child?

Yes, you can get a credit card for your child, but they must be at least 18 years old to apply on their own. As a parent, you can add your child as an authorized user on your account. This allows them to make purchases using your card.

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However, be sure to discuss the terms and conditions of the card with your child. Explain the importance of paying off the balance in full each month to avoid interest charges. Set spending limits and monitor their usage to prevent overspending.

What credit cards can kids use?

There are several credit cards that cater to young adults, such as the Discover it® Student Cash Back and the Capital One® Journey Student Rewards. These cards offer cashback rewards and low fees.

Get a credit card for your kids and teens.

Another option is a secured credit card, which requires a cash deposit as collateral. This helps build credit while limiting spending. Some secured cards, such as the Greenlight card, offer parental controls to monitor and manage spending.

Is there a free debit card for kids?

Yes, there are free debit cards for kids, such as the FamZoo prepaid debit card. With no activation, monthly or overdraft fees, this card allows parents to set up automatic allowances and chores payments. It also teaches children the basics of budgeting and saving.

Another option is the BusyKid Visa® Prepaid Spend Card, which helps children learn about earning and managing money. Parents can automatically allocate allowance, assign tasks, and track spending. It also offers stock purchase options for kids.


Introducing a credit card to your child can be a valuable lesson in financial responsibility. However, it’s important to set guidelines and monitor their usage to prevent overspending and credit damage. Consider the options available and choose the best fit for your family’s needs. With proper guidance, a credit card for kids can be a tool for building a strong financial future.

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