Credit Card Forum
  1. #1
    Green Member
    Join Date
    Oct 2011
    North Carolina

    Question Credit card for 17 year old (soon to be 18)

    I'm currently 17 years old. I'm currently trying to compare cards to find the right card for me when I turn 18 to help build my credit, but also a card where there's not a large annual fee nor a foreign trans. fee. Any clue what might be right for me. Keep in mind that i'm going to have little to no credit history.
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  2. #2
    Centurion Member Mogul of Pineapples's Avatar
    Join Date
    Jun 2008


    Welcome to the forum. Once you hit 18 your options will be slim:
    • Student cards, if you will be going to college. These will be easiest to qualify for. Most have no annual fee.
    • A secured card with a deposit, which in all honesty, isn't too desirable.
    • Possibly an entry level card through the bank you have a checking/savings account with. If you go that route it would be best to go to the branch and do it there.
    Whatever way you decide, after 9-12 months you probably will be able to apply for something a little better, like an AmEx Zync. It might take 18-24 months (from the date you applied for your first card) before you can get the Freedom, Blue Cash, etc. and even then it's iffy in this economy. To avoid the foreign transaction fee, you may want to consider a no annual fee Capital One card.
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

    Current Cards:
    American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Chase Sapphire Preferred
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