5 Best Credit Builder Cards For 18 Years Old
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5 Best Credit Builder Cards For 18 Years Old

Moumita Basu

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The ability to manage one's personal finances effectively is one of the most crucial adulting skills nowadays. However, it is disappointing that few institutions offer classes on basic budgeting and money management. Obtaining a credit card is an exciting prospect, but it may also lead you astray if you're not careful with it.

One must begin early by obtaining a credit card at 18 and take baby steps to establish a solid credit history. The first step to managing credit cards responsibly is to have the right amount of knowledge about credit cards for 18-year-olds to build credit. We understand picking up a credit card at 18 is difficult. That's why we have picked the best credit cards for 18-year-olds.

Why Is It Important to Have Credit Cards for 18-Year-Olds to Build Credit?

Young people frequently lack credit experience and may not be aware of all the ways that having good credit may make life simpler. Starting at age 18 provides you an advantage in the long run because the duration of your credit history can be significant to creditors and is taken into account when determining credit scores.

List of Best Credit Cards to Build Credit at 18

If you are just beginning your credit journey some characteristics like your ability to pay an annual fee and your work status, will determine which credit card is appropriate for you. Your objective should be to find the best first credit card for your particular demands and financial situation, regardless of who you are or how much money you make. Here is the list of starter credit cards to apply for 18 year olds:

  • Zolve Azpire Credit Builder Card
  • Petal® 1 “No Annual Fee” Visa® Credit Card
  • Tomo Credit Card
  • Avant Credit Card
  • Capital One Quicksilver Secured Cash Rewards Credit Card

Zolve Azpire Credit Builder Card

Zolve Azpire Credit Builder card is one of the best credit builder cards to get at 18 as it's easiest to apply. For all your needs like gas, groceries, or shopping, you can use your Azpire Credit Builder Card and start building your credit rapidly. You can add money to your Azpire Card which in turn becomes your credit limit and use this for making everyday purchases like any of your typical credit cards and get excited cashback from time to time.

Rewards: Collaborated with more than 10k merchants and retailers offer cash back.

Bonus: Up to 15% cashback

Annual Fee: 0

Key Advantages: can apply within 5 minutes, no credit check required, no minimum deposit required, and will help you building credit history as it reports to credit bureaus.

Disadvantages: None

Petal® 1 “No Annual Fee” Visa® Credit Card

One of the best choices for anyone seeking an unsecured credit card—one which does not require credit history—who are just starting their credit-building journey is the Petal® 1 "No Annual Fee" Visa® Credit Card, issued by WebBank.

Rewards: Select retailers offer cash back rates of 2% to 10%.

Bonus: none

Annual Fee: 0

Key Advantages: With no foreign transaction fees and rental vehicle insurance as a perk of being a Visa card, the Petal® 1 "No Annual Fee" Visa® Credit Card is a respectable option for travel.

Disadvantages: None

Tomo Credit Card

For people without a traditional credit history, the Tomo Credit Card* is an intriguing choice because Tomo will take banking and other financial data into account when deciding whether to approve an application.

Rewards: none

Bonus: none

Annual Fee: 0

Key Advantages: None

Disadvantages: Tomo Card include the requirement for weekly auto-payment of credit card bills and the consent requirement for Tomo to link to pertinent financial data.

Avant Credit Card

The Avant Credit Card provides a choice for those who are new to credit, however it lacks some features and benefits when compared to cards of a similar nature.

Rewards: none

Bonus: none

Annual fee: $59

Key Advantages: This card's key selling feature is that it's possible to get approved even if you're new to credit and without the need for a security deposit.

Disadvantages: None

Capital One Quicksilver Secured Cash Rewards Credit Card

For a secured card, the Capital One Quicksilver Secured Cash Rewards Credit Card provides a respectable flat-rate cash-back % on every purchase. This card is not a suitable option for someone who could ever envision themselves carrying a balance, though, due to the high standard APR (and really, no credit card is).

  • Rewards: Receive cash back when using Capital One Travel to book hotels and rental vehicles.
  • No welcome bonus is available with this card.
  • Annual Cost: 0
  • Key Advantages: Starting at six months with no additional deposit, you can automatically be evaluated for a greater credit line on this card.
  • Disadvantages: None

How to Get a Credit Card at 18?

The two fundamental steps in getting a credit card for the first time are to

1) evaluate credit card offers made especially for persons with little or no credit history; and

2) apply for one without an annual fee, if available. Rewards and APRs can be the deciding factors in this process. There are many other aspects of choosing, applying for, and receiving your first credit that is crucial to understanding as well. We'll take you to step by step through them below.

  1. Check your credit report and score(If you have any)
  2. Examine the availability of student credit cards
  3. Compare Credit Cards for 18 Year Olds to Build Credit
  4. Focus only on credit cards with low fees
  5. Decide which remaining offer best suits your requirements
  6. Verify that you have sufficient funds
  7. Submit your application for the best credit card to build credit at 18


  • The best approval rates are offered by secured credit cards, but you must first pay a refundable security deposit. Your spending limit is determined by the amount of that deposit. Unsecured cards are more difficult to obtain but require no deposit.
  • For the quickest response, apply online. If you clearly match the requirements of the issuer, you can possibly get approval right away. After being approved, your card should arrive within 7 to 10 business days.
  • Concentrate on eliminating credit cards with high non-refundable fees. The greatest credit card is one with no annual fee and no security deposit. But a secured card with a minimal cost is also acceptable. When you close your account, you can get your money back.

After reaching 18, learning how to receive a credit card for the first time is a milestone for many young individuals. And it's far simpler than you may expect. The secret is to make informed decisions and concentrate on the best credit cards for 18 year olds,i.e. Zolve Azpire Credit Builder Card. This card will make your credit journey smooth with an easy application process, no minimum deposit, and excited cashbacks.

Frequently Asked Questions(FAQs)

What credit card can you get at 18?

At 18, with no credit history, you can get secured credit cards, credit builder cards, and student cards, etc. to build your credit.

Can a person who is 18 receive a credit card?

Yes, to apply for a credit card, you must be at least 18 years old. The age requirement must be met, even if you have an add-on credit card. Anyone who meets this requirement is qualified to receive a credit card.

Does Zolve provide credit cards for 18-year-olds with no credit?

Yes, you can easily apply for Zolve Azpire Credit Builder Card if you are 18 years old and don't have a credit history. Zolve’s mission is to help youngsters with no credit history in establishing their credit with ease.

Can someone with no credit get a credit card?

Your card can have higher interest rates if you don't have a credit history. As a result, even if you are authorized for a card, you will eventually pay more for the credit you use. Additionally, you might have a smaller credit limit, which would limit how much you might spend each month. You can opt for a credit builder card without any heavy charges.

At age 18, can I obtain a credit card without a job?

A credit card can be obtained without employment. There is typically a place on credit card applications for employment details, but you can also list other occupations like a student, stay-at-home parent, or unemployed. However, while applying for a credit card, factors other than employment status considered are annual income and assets.