What Credit Card You Should Have By Each Age? (13+)

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Rather than fearing the credit card game, the rich and powerful know how important building good credit is and how having the right credit cards at the right time are important for financial success.

Here are my picks for the best credit cards at each age.

Ages 13-17

So technically, anyone under 18 cannot own a credit card. That’s it, thanks for reading…

JUST KIDDING. Yes, it is true, you cannot own a credit card under 18, but that does not stop you from becoming an authorized user of a credit card and building credit.

Here’s the answer. Whatever card your parent(s) have the most healthy credit history on is the card to choose. When building credit as a young teen, the owner of the credit card that you are now an authorized user of, transfers over their great credit history to you, thus boosting your credit score.

If you’re in the boat of many people where your parents credit is less than desirable, then I would not recommend becoming an authorized user and waiting till 18 to get a personal credit card.

Ages 18-20

This age is all about building basic level credit. Cards such as student cards and secured cards are going to be your best bet. If your just starting out in the game, I highly recommend click the link below and getting started!

Discover IT secured card/ Discover IT student cash back (great cash back, rotating categories of 5% for student cash back. both solid for building credit.

2. Capitol One Savor One (Great cash back categories. Easy to use the portal. Classic Card)

Ages 20-22

This age is all about building off the basics. Look to get a bit more greedy with sign-up bonuses, cash back, and general perks and benefits. Look to no annual fee cards as a guide.

The Chase Freedom Flex ($200 sign-up bonus after spending $500 in first 3 months, involved in the chase ecosystem, no annual fee)

2. Citi Custom Cash/Double Cash (great cash back, one card is flexible and one card is specialized with high cash back rewards. Citi thank you points as a rewards bonus)

Ages 22-25

This age range is all about getting the most bang for your buck. Likely you have a steady income and can get those sweet sign-up bonuses, as well as get awesome cash back deals.

BILT World Elite Mastercard (1x point for RENT!!! as well as good for travel and dining)

*Editors Choice

2. Cash Sapphire Preferred (arguably the best bang for your buck. Chase Ultimate Rewards points for sign-up bonus and for points earned on spending)

Ages 25+

This is all about enjoying the rewards. Find what you like, whether thats cash back, or travel, or experiences. Then grab a card that fits that desire. This age generally involves more premium, luxury cards.