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What is the legal age for a prepaid credit card? You must be 18 years of age or older in the United States, the same requirement for any other credit card. Do not confuse this with credit card gift cards that are prepaid, such as a Visa or Amex gift card. These cards are actually not credit cards, but a gift card in the denomination amount you purchased it for, that can be used anywhere that credit card issuer is accepted. Those are gift cards that can be purchased by anyone of any age, but being that they carry high fees, they most likely not be a smart replacement for a prepaid credit card.
How do prepaid credit cards work? As the name implies, you deposit money into that account and can then spend up to that amount on the card. Some prepaid credit cards may assist you in building credit if they choose to report to the credit bureaus. However most do not, since reporting to the credit bureau costs them money.
The bottom line is you will need a co-signer 18 years of age or older to get a credit card as a teen, even if it's a prepaid card. Perhaps now would be the time to be extra nice to her and maybe she will agree to it.
It's important to note that prepaid credit cards carry are notfee. For example, one popular prepaid MasterCard charges a monthly fee as much as $9.95, a $2 fee to speak with customer service, $1 fee to use at an ATM, and so forth.
If you still want a prepaid credit card I would advise on being extra nice to your mother and perhaps she will give in and let you get one.