What is the minimum age a child can use a credit card?

There is no legal minimum age for adding a child as an authorized user, however you should check your credit card issuer's policies. Chase, for example, does not report the authorized user credit history of minors to the Credit Reporting Agencies. Other financial products like credit-builder loans have a minimum age of 18.

Should I add my child to my credit card?

If you’re looking to jump-start your kid’s credit history or track their spending, consider adding your child as an authorized user on your credit card. Becoming an authorized user has looser age requirements than if your kid opened their own card, since the minimum age to open a credit card as the primary account holder is 18.

Can I add a minor to my credit card account?

The major credit card issuers allow you to add minors as authorized users, but several have minimum age limits. Most big banks will report authorized user accounts to the main credit bureaus, including the issuers listed below. Occasionally banks have even offered bonus rewards for adding authorized users, and some allow you to do it online.