Best Credit Cards for 18-Year Olds
WalletHub experts track 1,500+ offers to help you get the right credit card for 18 year olds.
The best credit cards for 18-year-olds have low fees and high approval odds, and many even offer rewards or low introductory interest rates. The best credit cards for 18-year-olds also report account information to the major credit bureaus on a monthly basis, giving you the chance to build a good credit score (some offers are from WalletHub partners). ... show more
Best Credit Cards for 18-Year-Olds in 2024
FILTER CREDIT CARDS FOR 18-YEAR-OLDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR
- Qualify with limited or no credit history
- Relatively low security deposit
- 1% cash back on payments
- Membership fees
- High regular APR
- Foreign fee
- Reasonable $35 annual fee
- As low as $200 minimum deposit
- 3% foreign transaction fee
- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Requires security deposit
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign transaction fees
- $39 annual fee
- Above-average regular APR
- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
What are the best credit cards for 18-year-olds?
The best credit cards for 18-year-olds are the Capital One Platinum and QuicksilverOne cards. Capital One Platinum (see Rates & Fees) has long been one of the best starter cards on the market because it doesn’t charge an annual fee and people with no credit can get it. And Capital One QuicksilverOne (see Rates & Fees) is a great option for anyone who plans to spend at least $2,600 per year, according to our calculations. That’s what’s needed for the card’s 1.5% cash back earning rate to cancel out its $39 annual fee.
You'll have even more options if you're pursuing a college degree. The Capital One SavorOne Student Card (see Rates & Fees) and the Bank of America® Travel Rewards credit card for Students are great options if you're a college-bound 18-year-old, or if you’re already on campus. Both offer generous rewards, and neither charges an annual fee or a foreign transaction fee.
There are lots more attractive offers, too, including secured cards that are great for people who want the highest approval odds. You can check out all of WalletHub’s top picks below.
Best Credit Cards for 18-Year-Olds Comparison
Card Name | Best For | Annual Fee | Minimum Credit Score |
Capital One Platinum (see Rates & Fees) | No Annual Fee | $0 | Limited History |
Capital One SavorOne Student Card (see Rates & Fees) | College Students | $0 | Limited History |
Amazon Store Card | Online Purchases (Fair Credit) | $0 | Fair |
Bank of America® Travel Rewards credit card for Students | Study Abroad | $0 | Excellent |
OpenSky® Secured Visa® Credit Card | High Approval Odds | $35 | Bad |
Capital One QuicksilverOne (see Rates & Fees) | Cash Back | $39 | Limited History |
Once you have a credit card, you’ll need to use it responsibly if you want to build good credit and qualify for better deals in the future. Responsible use includes always paying your bills on time and utilizing less than 30% of your available credit. For an in-depth guide, check out WalletHub’s How to Build Credit in 8 Simple Steps.
Credit Cards for 18-Year Olds FAQ
Comparing credit cards for 18-year-olds can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
show less
Searching for answers... No Matching Results
Featured Credit Cards
Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: