6 Best Credit Cards That Allow Co-Signers

Consider these options if you can't get a card on your own.

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.

Earn More Perks From Your Credit Card

The Best Credit Cards That Allow Co-Signers:

BankAmericard Credit Card

  • 0% APR for 15 billing cycles for purchases and balance transfers made within 60 days, then 13.49% to 23.49% APR
  • No annual fee
  • A late payment won’t automatically raise your interest rate

This is a classic credit card with good features for someone who wants low costs and doesn’t need a lot of bells and whistles. If you’re looking for a basic card, this is the best Bank of America credit card for someone who needs a co-signer.

More Options: Best Unsecured Credit Cards for Bad Credit

Bank of America Cash Rewards

  • No annual fee
  • 0% APR for 12 billing cycles and balance transfers made within 60 days
  • 3 percent cash back on gas and 2 percent at grocery stores and wholesale clubs, up to $2,500 combined per quarter
  • 1 percent cash back on everything else
  • $200 cash rewards bonus after you spend $500 in your first 90 days
  • Redeem cash rewards into your Bank of American checking or savings account for a 10 percent bonus

Earn More Perks From Your Credit Card

If you’re looking for a cash rewards credit card, this card is a good choice. Plus, if you have a Bank of America checking or savings account, you can deposit your rewards directly into your bank account and get a 10 percent bonus.

US Bank Cash+ Visa Signature Card

  • 5 percent cash back on up to $2,000 per quarter in two categories you choose, plus 2 percent cash back in one additional category
  • 1 percent cash back on everything else
  • $150 bonus after you make $500 in purchases in the first 90 days
  • No annual fee
  • 15.74% to 24.74% APR on purchase and balance transfers
  • No introductory interest rate for balance transfers for 12 billing cycles

This card offers as much as 5 percent cash back, but you’ll need to work for it. You have to choose your categories each quarter, or you just get 1 percent cash back across the board. This is the best U.S. Bank credit card if you need a co-signer.

These are the best rewards credit cards.

US Bank FlexPerks Gold American Express Card

  • 30,000 bonus points, worth $450 on travel, when you spend $2,000 in the first four months
  • No introductory interest rate
  • 15.74% to 25.74% APR for purchases and balance transfers
  • $85 annual fee

Earn More Perks From Your Credit Card

The U.S. Bank FlexPerks Gold American Express Card is a good choice for frequent travelers, although it does have a hefty $85 annual fee.

Learn More: Best Travel Credit Cards

Wells Fargo Cash Wise Visa® Credit Card

  • 1.5 percent cash rewards with no limit
  • Get $200 cash rewards when you make $1,000 in purchase in the first three months
  • 0% introductory APR for 12 months on purchases and qualifying balance transfers, then 16.24% to 28.24 variable APR.
  • No annual fee

The Wells Fargo Cash Wise Visa® Card offers straightforward cash rewards and a year of no interest. This is the best Wells Fargo credit card if you need a co-signer because you don’t have a credit history. Compare all of Wells Fargo’s credit card options.

Choosing the Right Card for You

If you need a co-signer, any of these cards would serve you well. Consider one of the travel cards if you do a lot of traveling, but beware of those that require a big spend to get the introductory bonus points. And talk with your co-signer about how you’re going to use the card and how you’ll make the payments.

Earn More Perks From Your Credit Card

Click through to learn about the best credit cards for bad credit.

More on Credit Card Advice

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article.

The information related to Wells Fargo Credit Cards has been collected by GOBankingRates.com and has not been reviewed or provided by the issuer or provider of this product or service.

About the Author

Karen Doyle

Karen Doyle is a personal finance writer with over 20 years’ experience writing about investments, money management and financial planning. Her work has appeared on numerous news and finance websites including GOBankingRates, Yahoo! Finance, MSN, USA Today, CNBC, Equifax.com, and more.

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