Not everyone can get a credit card on their own. If you’re new to the credit game, or if you’ve had credit problems in the past, you might not be able to qualify. If this is the case, some credit cards will allow you to have someone else co-sign your credit card.
What Is a Co-Signer?
A co-signer is someone who will take responsibility for your credit card account if you are unable to pay it. A co-signer should have a strong credit history and understand that if you fail to pay your credit card bill on time, they will be liable for the charges. Learn more about whether getting a credit card with a co-signer is a good idea. A co-signer is not an authorized user — an authorized user is someone who has their own credit card on someone else’s account. An authorized user is not obligated to pay the bill. The account holder has that responsibility.
Not every bank issues co-signer credit cards; the large banks that do are Bank of America, U.S. Bank and Wells Fargo. Keep reading to learn about good credit card options from these financial institutions.
The Best Credit Cards That Allow Co-Signers:
- BankAmericard Credit Card
- Bank of America Cash Rewards Card
- U.S. Bank Cash+ Visa Signature Card
- U.S. Bank FlexPerks Gold American Express Card
- Wells Fargo Cash Wise Visa® Credit Card
Click through to learn about the best credit cards for bad credit.
More on Credit Card Advice
- What You Need to Know About Credit Card Expiration Dates
- 10 Things You Should Never Put on a Credit Card
- Inventive Ways to Make Money Using Your Credit Card
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