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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit CardLimited offer
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Best Credit Cards for 18 Year Olds to Build Credit of June 2025

While there’s no shortage of credit cards aimed at 18-year-olds, given the sheer number of options available, picking the right one can seem overwhelming. This is no one-size-fits-all situation, meaning the credit card that works for your best friend may not suit you. It all depends on one’s needs and situation. In this article, we’ll give you the details on the top credit cards for 18-year-olds, so that you can make an informed decision.

Updated June 26, 2025
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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
$49
Annual Fee
14.24%
Regular APR
1%
Cash Back rewards on payments.
Apply now
On First Progress’s site
Secured Mastercard® Merrick Bank
Merrick Bank Secured Credit Card
$36
Annual Fee
22.70%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Merrick Bank‘s site
First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
$39
Annual Fee
18.24%
Regular APR
1%
Cash Back on payments made to your First Progress Secured credit card account.
Apply now
On First Progress’s site
Destiny® Mastercard® The Bank of Missouri
Destiny® Mastercard®
The Bank of Missouri
*see terms*
Annual Fee
35.9%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On The Bank of Missouri‘s site
Best pick for...

Best Credit Cards for 18 year old in June 2025

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First Progress Platinum Prestige Mastercard® Secured Credit Card

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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
Annual fee:
$49 annually
Regular APR:
14.24% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 1% Cash Back rewards on payments.
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

    The Card earns 1% Cash Back rewards on payments.

    The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).

    Read full review

  • Pros:
    • Low APR for Purchases
    • No Minimum Credit Score Required
    • Reports to Three Major Credit Bureaus
    • Suitable Range of Credit Limit
  • Cons:
    • High Annual Fee
    • High Transaction Fees on Cash Advance
    • High Penalty Fees
    • Foreign Transaction Fees
  • Benefits:
    • Earn 1% Cash Back Rewards with First Progress Prestige;
    • Apply now and fund your security deposit over 90 days with the option to make partial payments;
    • You Can’t Rebuild credit with a Debit Card. Try First Progress Today;
    • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.
    • All credit types welcome to apply;
    • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
View all First Progress Platinum Prestige Mastercard® Secured details
Apply now
On First Progress’s site
Card detail

Merrick Bank Secured Credit Card

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Secured Mastercard® Merrick Bank
Annual fee:
$36 for first year. Billed $3 per month thereafter
Regular APR:
22.70% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

      The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

      The Card's APR is 22.70% Variable for purchases.

      The Secured Mastercard® credit card reports to all three major credit bureaus.

      Read full review

    • Pros:
      • Up to $3000 credit limit
      • Reports to three major credit bureaus
      • You don’t need a bank account to apply
      • Access to FICO score
      • Low APR
    • Cons:
      • No rewards or intro offers
      • $200 minimum deposit
      • Extra fees
      • $36 annual fee
    • Benefits:
      • Monthly Reporting to the 3 Major Credit Bureaus;
      • $0 Fraud Liability;
      • Low interest;
      • FICO® Score for Free Each Month.
    View all Secured Mastercard® details
    Apply now
    On Merrick Bank‘s site
    Card detail

    First Progress Platinum Select Mastercard® Secured Credit Card

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    First Progress Platinum Select Mastercard® Secured Synovus Bank
    Annual fee:
    $39 annually
    Regular APR:
    18.24% Variable
    Our Rating:
    3.5
    scorer
    Credit score
    No Credit History to Fair (0-669)
    • Rewards Rate:
      • 1% Cash Back on payments made to your First Progress Secured credit card account.
    • Issuer name:
      Synovus Bank
    • Details:

      The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

      The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

      The card's APR: 18.24% (Variable for Purchases), 24.24% (Variable for Cash Advances).

      The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

      Read full review

    • Pros:
      • No credit history required
      • No Minimum Credit Score needed
      • Low Annual Percentage Rates
    • Cons:
      • Annual Fee
      • Foreign Transaction Fee
    • Benefits:
      • Get a First Progress Select Card and Earn 1% Cash Back Rewards;
      • Secure your credit line with your refundable security deposit – choose from $200 - $2,000 - with the ability to increase up to $5,000 over time;
      • Choose the First Progress Select Card for a lower annual fee;
      • All credit types welcome to apply;
      • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion;
      • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
    View all First Progress Platinum Select Mastercard® Secured details
    Apply now
    On First Progress’s site
    Card detail

    The Bank of Missouri Destiny® Mastercard® best for Unsecured

    The Bank of Missouri Destiny® Mastercard®

    Apply now
    Destiny® Mastercard® The Bank of Missouri
    Annual fee:
    *see terms*
    Regular APR:
    35.9%
    Our Rating:
    1.47
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The Destiny® Mastercard® is a good credit card for people with poor or no credit.

        The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

      • Pros:
        • No monthly fees
        • Prior bankruptcies are acceptable
        • Liability protection
        • No security deposit required
      • Cons:
        • No reward
        • High-interest rates
        • No mobile app
        • Credit limit
      • Benefits:
        • Mastercard® benefits;
        • Fraud protection;
        • Reports to all three major credit bureaus.
      View all Destiny® Mastercard® details
      Apply now
      On The Bank of Missouri‘s site
      Card detail

      Capital One Platinum Credit Card best for Without SSN

      Capital One Platinum Credit Card

      Platinum Mastercard Capital One
      Annual fee:
      $0
      Regular APR:
      29.99% Variable
      Our Rating:
      2.86
      scorer
      Credit score
      Fair (580-669)
      • Balance Transfer APR:
        29.99% Variable
      • Issuer name:
        Capital One
      • Details:

        Get the credit you need with Platinum Mastercard® from Capital One.

        Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.

        You're also covered by $0 Fraud Liability if your card is ever lost or stolen.

      • Pros:
        • Chance to get a higher credit limit
        • No annual fee
        • No foreign transaction fees
        • Platinum Mastercard benefits
        • No Penalty APR for late payments
        • Get approval with a fair credit score
      • Cons:
        • High Regular APR
        • No rewards
        • No sign-up bonus
        • You don’t get to enjoy a reduced introductory rate
      • Benefits:
        • No Foreign Transaction Fees;
        • $0 Fraud Liability;
        • ATM Location Services;
        • Emergency Card Replacement;
        • Autopay;
        • 24/7 Customer Service.
      View all Platinum Mastercard details
      Learn more
      Card detail

      Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

      Capital One QuicksilverOne Cash Rewards Credit Card

      QuicksilverOne Capital One
      Annual fee:
      $39 annually
      Regular APR:
      29.99% Variable
      Our Rating:
      3.6
      scorer
      Credit score
      Fair to Good (580-739)
      • Rewards Rate:
        • 1.5% Cash Back on every purchase.
      • Balance Transfer APR:
        29.99% Variable
      • Issuer name:
        Capital One
      • Details:

        The QuicksilverOne Credit Card from Capital One earns 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

        The QuicksilverOne Card has an APR of 29.99% Variable. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account. None for balances transferred at the Transfer APR.

      • Pros:
        • Unlimited high rewards rate
        • Average credit score required
        • Automatically considered for a higher credit line after 6 months
        • No foreign transaction fees
      • Cons:
        • Annual fee
        • High APR
        • No bonus rewards categories
      • Benefits:
        • 1.5% Cash Back;
        • No Foreign Transaction Fees;
        • Autopay;
        • $0 Fraud Liability;
        • Card Lock;
        • ATM Location Services.
      View all QuicksilverOne details
      Learn more
      Card detail

      Capital One Platinum Secured Credit Card best for Single mom, Without SSN

      Capital One Platinum Secured Credit Card

      Secured Mastercard® Capital One
      Annual fee:
      $0
      Regular APR:
      29.99% Variable
      Our Rating:
      2.39
      scorer
      Credit score
      No Credit History to Poor (0-579)
      • Balance Transfer APR:
        29.99% Variable
      • Issuer name:
        Capital One
      • Details:

        The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

        The card's APR is 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

        You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

        The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

        Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

      • Pros:
        • Low initial deposit amount of $49, $99, or $200
        • You can increase the credit line up to $1000
        • No annual fee
        • Automatic credit line reviews
        • Credit building
      • Cons:
        • High APR
        • Low credit limit
        • No rewards program
      • Benefits:
        • $0 Fraud Liability;
        • Refundable Deposit;
        • Capital One CreditWise;
        • Eno®, your Capital One assistant;
        • Virtual Card Numbers from Eno;
        • Emergency Card Replacement;
        • ATM Location Services;
        • MasterRental Coverage;
        • 24/7 Customer Service.
      View all Platinum Secured Mastercard® details
      Learn more
      Card detail

      Capital Bank OpenSky® Secured Visa® best for 18 year old

      Capital Bank OpenSky® Secured Visa®

      Secured Visa® OpenSky®
      Annual fee:
      $35 annually
      Regular APR:
      25.64% Variable
      Our Rating:
      3.82
      scorer
      Credit score
      No Credit History to Good (0-739)
        • Issuer name:
          Capital Bank
        • Details:

          With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

          Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

          Read full review

        • Pros:
          • No credit check required
          • Does not require a bank account
          • Reports to three major credit bureaus
          • Low minimum cash deposit
        • Cons:
          • High annual fee
          • High Foreign Transaction Fee
          • No Rewards
          • No Signup Bonus
        • Benefits:
          • No credit check necessary to apply;
          • Reports to three major credit bureaus;
          • Build credit quickly;
          • Doesn't require a bank account.
        View all OpenSky® Secured Visa® details
        Learn more
        Card detail

        First Electronic Bank OppFi®

        First Electronic Bank OppFi®
        Annual fee:
        $99 annually
        Regular APR:
        35.99%
        Our Rating:
        1.35
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Issuer name:
            First Electronic Bank
          • Details:

            The OppFi® Credit Card features a fixed APR of 35.99% on purchases and cash advances.

            The Card charges an annual fee of $99.

          • Pros:
            • No security deposit required
          • Cons:
            • Annual Fee
            • Foreign Transaction Fee
            • Balance transfers are not available
            • No Intro APR period
            • High APR
          • Benefits:
            • Build Credit History;
            • Contactless payments.
          View all OppFi® details
          Learn more
          Card detail

          Sallie Mae Bank Accelerate℠

          Sallie Mae Bank Accelerate℠
          Annual fee:
          $0
          Regular APR:
          17.99% - 29.99% Variable
          Our Rating:
          3.92
          scorer
          Credit score
          No Credit History to Poor (0-579)
          • Rewards Rate:
            • 1.5% Cash Back on every purchase (up to 2% when you redeem rewards toward student loans).
          • Intro Offer:
            • 200% Cash Back reward after you spend $1,000 in the first 3 months.
          • Purchase Intro APR:
            0% Introductory APR for 15 months from date of account opening
          • Balance Transfer APR:
            17.99% - 29.99% Variable
          • Issuer name:
            Sallie Mae Bank
          • Details:

            The Sallie Mae Accelerate℠ Credit Card offers unlimited 1.25% Cash Back on all purchases (up to 2% when you redeem rewards toward student loans). Plus, earn a $200 Cash Back reward after you spend $1,000 in the first 3 month.

            The Sallie Mae Accelerate℠ Card has no annual fee. The Card has a 0% introductory APR on purchases and balance transfers for the first 15 months. After that, your APR will be 17.99% - 29.99% (Variable).

          • Pros:
            • No Annual Fee
          • Cons:
            • Foreign Transaction Fee
          • Benefits:
            • $200 Cash Back reward after you spend $1,000 in the first 3 months;
            • 1.5% Cash Back for everything else (up to 2% when you redeem rewards toward student loans);
            • Digital wallets;
            • Cell phone protection;
            • $0 liability.
          View all Accelerate℠ details
          Learn more
          Card detail
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