Best Credit Cards for Teens in 2024 | LendingTree (2024)

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The Discover it® Secured Credit Card comes with a $0 annual fee and the opportunity to earn cash back rewards. Plus, you don’t need a credit score to apply. Your security deposit acts as your credit line, which is perfect if you’re starting to build credit.

After seven months, Discover will conduct monthly account reviews to see if you’re eligible to graduate to an unsecured card and have your deposit refunded.

If this happens, your card will transition to aDiscover it® Chrome. Note, Discover will evaluate your behavior across your credit cards and loans from Discover, as well as those from other issuers or lenders. You can also get your deposit back if you choose to close your account and pay any remaining balance.

• No credit score required to apply.
• No Annual Fee, earn cash back, and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
• Terms and conditions apply.

A no-frills credit card for teens, the Capital One Platinum Credit Card comes with a $0 annual fee and reviews for a possible credit line increase in as little as six months. The card reports your credit usage to the three major credit bureaus, which helps in building credit.

After showing responsible use of your card, you may be able to request to move to a Capital One card that offers rewards. Capital One has many great rewards card options for young cardholders, like the Capital One VentureOne Rewards Credit Card.

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
• For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
  

The Capital One Platinum Secured Credit Card offers the possibility of a very low deposit to secure a $200 credit line. Depending on your credit score, you’ll need to put down a deposit of $49, $99 or $200. There’s a $0 annual fee and when it comes to a foreign transaction fee, there is None.

It doesn’t offer a rewards program, but for now your main concern should be to raise your credit score. By using your card responsibly, Capital One may upgrade you to an unsecured card or you can apply for other rewards credit cards.

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
• For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

on Capital Bank, N.A.'s secure site

The OpenSky® Secured Visa® Credit Card doesn’t require a credit check to be approved and reports your payment history to the three credit bureaus. You’ll pay a reasonable $35 annual fee and a refundable $200 security deposit. You can find no-annual-fee credit cards, but this is a small tradeoff if you want to avoid a credit check when you apply for the card.

Plus, there’s an option to graduate to an unsecured card in as few as six months with responsible use of the OpenSky^® Secured Visa^® Credit Card.

• New feature! Earn up to 10% cash back* on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
• *See Rewards Terms and Conditions for more information

The Discover it® Student Cash Back offers teens who are college students a chance to build credit while earning rewards on their purchases. No credit is required to apply, there is a $0 annual fee and a generous rewards program.

You’ll earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically. Discover also matches all the cash back you’ve earned at the end of your first year for new cardholders.

Cardholders even get a 0% Intro APR for 6 months on purchases, then an ongoing 18.24% - 27.24% Variable APR. This makes it helpful for financing a new laptop or dorm room furniture.

The card also comes with a 10.99% Intro APR for 6 months on balance transfers, then a 18.24% - 27.24% Variable APR.

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
• Redeem your rewards for cash at any time.
• No credit score required to apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee and build your credit with responsible use.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
• Terms and conditions apply.

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

Cardholders of the Bank of America® Travel Rewards Credit Card for Students earn points that can be used as a statement credit towards travel purchases including flights, hotels, vacation packages, cruises, rental cars or baggage fees.

The Bank of America® Travel Rewards Credit Card for Students is an ideal card for students who study abroad, as it has a $0 annual fee and a foreign transaction fee of None.

There’s a 0% Intro APR for 15 billing cycles for purchases, after which a regular 19.24% - 29.24% Variable APR applies. The intro offer is helpful in financing large purchases, like plane tickets or furniture for your new apartment.

Cardholders can earn 1.5 points per $1 spent on all purchases. Plus, the card offers 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Chase Freedom Rise℠ Credit Card is a natural choice for teens who have an account with Chase and want to keep their banking all in one place. The $0 annual fee, rewards program and potential credit limit increase make it a very appealing first-time card.

You have better odds of qualifying for the card if you have a Chase checking account with a balance of at least $250. With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Cardholders can track their credit score through the mobile app and may be evaluated for a credit line increase in as little as six months.

• Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise℠
• Earn Cash Back - With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
• Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
• Credit Limit Increase - As a Chase cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise℠ Card
• Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
• No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise℠ card.
• Member FDIC

With a simple cash back program and credit-building tools, the Capital One Quicksilver Student Cash Rewards Credit Card is an ideal card for college students beginning their credit journey.

It offers 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

The lack of an annual fee means that you can keep the card for the duration of your college career. And as for foreign transaction fees, there is none, so the savings go even further if your studies take you abroad.

The card lacks an intro offer for financing new purchases or balance transfers, so be sure you can pay off your entire statement balance on your payment date to avoid excess interest charges.

• Earn unlimited 1.5% cash back on every purchase, every day
• Early Spend Bonus: Earn $50 when you spend $100 in the first three months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Build your credit with responsible card use
• Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
• For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.