How old do you have to be to get a Debit Card? How old do you have to be to get a Debit Card?

How old do you have to be to get a Debit Card?

Our “How old do you have to be to get a debit card” guide is the solution for your queries related to age limits for debit card issuance. So without any delay, dive into the article and get your problem resolved.

As the teenage started, like various other emotional and hormonal changes. You develop an urge to earn your own money and spend it according to your taste. But you can only satisfy your craving if you have your debit card for better management of your financial status.

Moreover, a debit cardholder child becomes more empowered as the child will know how to manage and spend money. Empowerment is significant for the healthy development of your child. So, like a responsible parent, it is the wise choice to get your children their debit cards.

But to have a personal debit card, people are concerned that ‘How old do you have to be to get a debit card“. In this guide, we will make it easy for you to understand the age limits for the liability of debit cards.

Credit Card Age Limits

Credit card age limits can differ in different regions. Notably, you should be 18 years old to apply for your first credit card in life in the U.S. If you are under 18 and still want to have a credit card of your own, you can get but under the card of your guardian.

Moreover, for those who are between 18 and 21, there are specific rules and regulations that you must have to follow to get a credit card. 

How can under 18 (like 13, 14, 15, or even younger) get their credit card?

People under 18 and who want to own a credit card can avail the authorized user option because most of the credit card issuers have the possibility that a second user can be added to the credit card as an authorized user. 

If you eagerly want to get a credit card, your age is not fulfilling the issuer requirements. Then you can avail this opportunity and can enjoy the perks of having a credit card. 

Age Limit for Authorized Users

Usually, most credit card companies do not have restrictions about age. You can readily apply without any complication. On the other hand, some credit card companies have strict rules.

According to them, you must have to be between 15 and 18 to become eligible to operate a credit card as an authorized user. For the issuance of an authorized user credit card, your primary card user has to give the company the following basics.

  • Social Security Number
  • User Name 

Furthermore, you do not need to go somewhere (like the credit card issuer office). You have the provision to apply by phone call or online on their website. Now, you will not worry about the age limit because this guide of “How old do you have to be to get a debit card” will tell options for getting a credit card.

How can People from 18 to 21 Get their Credit Cards?

Getting a credit card for adults from 18 to 21 is not a big problem. They have two options to take advantage of the credit card. Firstly by the conventional method, they can get their credit card. Secondly, for some reasons they do not want to get their own. Still, they have the option of adding a co-signer to their credit card.

Personal or Regular Credit Card

At the age of 18-21, you can employ the opportunity of a regular credit card if you have proof that you have your income. Rule of individual income was made by the Responsibility Act of 2009 and Credit Card Accountability to control debt.

Because if unemployed young people get their credit cards, they will surely buy but do not have any means to pay. The majority of the credit card issuers ask you to mention your salary on the application form of the credit card. 

However, some specific credit card issuers go a step ahead, and you have to add some additional documents along with the application form like tax returns, payslips, etc.

What is a Co-signer with a Regular Card?

You can affiliate someone with your credit card that should be a minimum of 21 years old along with your credit card. If your co-signer has an impressive credit background, then you have more chances to approve your credit card. It is a joint card, and both parties will be responsible for payments and debts.

Best Credit Cards for Beginners

The third type of credit card that you can avail of is the starter credit card. These cards are the best option for those who are using credit cards for the first time in their lives and do not know much about the usage of credit cards. We ranked them from 1-3 for your convenience.

Secure Credit Card

This credit card is the best option for those who have no or minute history. Secure credit card asked you to pay the security deposit before the opening of the account. 

Student Credit Card

This card is designed for the students. Student card makes you eligible to apply for loans that are relatively cheaper after your graduation.


Retail Credit Card

Retail credit cards are comparatively convenient to avail. But they have a problem that their interest rates are higher.

Savings Accounts 

Saving Accounts as a budgeting app provides you the opportunity to have a check on your money. Budgeting apps come with the remarkable features to make a budget of income and set goals for spending money. In this way, you can readily get rid of overspending. Here is some top-rated budgeting app. You can choose any budgeting app according to your requirements. 


YNAB is undoubtedly the most popular budgeting app when it comes to saving money. They have earned a top-notch ranking due to their impeccable budgeting philosophy. 


  • YNAB offers you a 34-day free trial.
  • This app guarantees a 100% money-back policy.
  • It plays a vital role in helping you get rid of debt.
  • It allows you to set goals to limit your spending.


  • It is a bit of a costly app as you have to pay $84 per year.
  • YNAB does not have a bill pay or tracking option.


Mint is one of the oldest apps for budgeting. This budgeting app has earned quite a positive reputation among the public—Mint owned by the renowned Intuit Company that enhances its authenticity and credibility.


  • One of the best things about Mint is that it is free.
  • Users get financial summaries by text messages or emails.
  • It is convenient to handle.
  • Their customer care system is amicable.


  • Customers face the issue of account synchronization.
  • Mint does not support a variety of currencies.
  • Annoying ads


PocketGaurd is a fantastic app for overspenders. Suppose you are always out of budget. Then it would be best if you switched to the PocketGaurd app to resolve your issue. Because with the help of an algorithm, it detects your expenditures, salary, and savings. Then it informs you how much you should spend.


  • It has both free and premium versions. You can choose any version according to your ease.  
  • They have a unique “Spending limits tool” that alarms you when you exceed limits.
  • PocketGuardPlus gives you the advantage of tracking the transactions.


  • The referral program of PocketGuard is not very profitable. You can earn $3.99 for your first three referrals. 
  • PocketGuard utilizes your financial information to create offers for products.
  • You cannot use this budgeting app on mobile. It has only a web version.
  • Some people complain about technical errors.

Personal Capital

Personal Capital is one of the best apps for those who want to manage their wealth. Moreover, you do not have to pay for this inspiring feature as the wealth management feature is free of cost. That makes it the best choice for people who are desperate to build their wealth.


  • Beneficial Retirement Planner Tool.
  • They have an exciting Analyzer tool 
  • Free of charge wealth management application.
  • Personal Capital provides you, financial advisers.


  • Personal capital has higher fees than its counterparts.
  • Their free manual tracking feature needs some improvement.
  • If you are using Personal Capital, you have to receive calls for services of wealth management.

Mastercard vs. Visa

Choosing the best credit card is significant for solving your money-saving issues. Most people applied for credit cards, but they do not know how to choose the best credit card. 

However, now your problem will be solved as our “How old do you have to be to get a debit card” guide has the solution to your problem. We will review both the credit cards in terms of advantages and disadvantages.

Both cards share similar features. In some cases, one has the upper edge over the other and vice versa. Mastercard is more beneficial for the elite class as they have incredible offers for the big spenders. On the other hand, Visa has more users worldwide than Masterclass due to its customer-friendly feature.

So, here is a brief comparison between these two competitor credit cards.

A Comparison between Visa Card and Mastercard 

Visa CardMaster Card
Visa cards provide you more features as compared to Mastercard. Mastercard has relatively fewer features than Visa Card. 
They provide secure and student cards, but the quality of services is a bit less than Mastercard. Their student and secured cards are comparatively better. 
Visa Cards have more options for carbonated hotel cards. Mastercards, on the other hand, have fewer opportunities for carbonated hotel cards. 
Visa cards usually provide more options for the cash backs of 1.5% They have fewer options for cashback than the Visa card. 
Visa cards have more users, employees, and capitalization that gives them superiority over the Mastercard. Although both cards are used in 200+ countries, the users of Mastercard are less.  

So, you get to know in this comparison that they almost provide similar services. But Visa card wins the game due to its broader range than Mastercard.

Age Restrictions for a Debit Card

There is a wide range of options available for debit cards. Different card issuers have various restrictions about age limits. From a conventional checking account to a prepaid debit card, you have a long list of options. Predominantly prepaid debit cards are joint so that the parents can check the activities of their child. 

Some debit card owners do not allow to issue cards for young children. On the other hand, some institutions permit a debit card for teenagers 13 or younger than this even. It would be best if you choose according to your child’s temperament whether it is suitable for him/her or not to have a debit card. 

Is it a wise decision to avail your child of a debit card at an early age?

We can say that availing your child of a debit card is a wise decision for everyone. Because according to the habits of your child, it varies greatly. If your child is spending a lot of money on useless stuff, you have the option to open a joint account with your child. In this way, you can get a better idea of where your child is spending money and how to control it. 

Secondly, your child will vigilantly spend money because he knows that you have kept an eye on him. Additionally, a debit card can make your child more accountable. He will learn how to make a budget and savings. But if the child is too young to understand all that debit card game, we will suggest you not to go for a debit card. 

Final Words: “How old do you have to be to get a debit card?

Credit and debit cards are undoubtedly the basic necessity that everyone should have in the wallet. But for beginners, it is a tough decision which credit card they should have.

Furthermore, teenagers are concerned at what age they will be eligible to get their credit cards. Our “How old do you have to be to get a debit card” guide is the ultimate solution to your problem.