{"id":431635,"date":"2025-02-13T11:30:00","date_gmt":"2025-02-13T16:30:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=431635"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"minimum-age-teenager-additional-credit-card","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/minimum-age-teenager-additional-credit-card\/","title":{"rendered":"Minimum Age for a Teenager to Have an Additional Credit Card"},"content":{"rendered":"\n<p>Adding your teenager as an additional cardholder can be very practical. He or she can use it to make certain expenses in an emergency, simply to buy a missing pint of milk at the grocery store, or when away from home and parents on a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-cards-school-trip\/\" target=\"_blank\" rel=\"noopener\">school trip<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"251339,442061\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>However, the rules vary from bank to bank as to the minimum age required. I recommend that you read the article on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-add-supplementary-credit-card\/\">How adding an additional credit card works<\/a>. You&#8217;ll see that:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Parents need to keep an eye on their children&#8217;s spending, since they&#8217;re the ones who pay the balance;<\/li>\n\n\n\n<li>An additional card is unnecessary if you want to build your child&#8217;s credit history or improve their credit score.<\/li>\n<\/ul><\/div>\n\n\n\n<p>A student or young adult can only take out a credit card in their own name when they reach the age of majority in their province of residence. See our article on the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-first-credit-card-young-adutls-students\/\">best first card for young adults and students<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"252943\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n\n\n<p>There may be an annual fee for an additional credit card application. For example, the annual fee is:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$50 for the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>;<\/li>\n\n\n\n<li>$0 for a <a target=\"_blank\" title=\"Tangerine Money-Back World Mastercard\" href=\"\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine Money-Back World Mastercard<\/a>;<\/li>\n\n\n\n<li>$0 for the first additional card, then $50 for the second and subsequent <a target=\"_blank\" title=\"Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Visa Infinite Passport<\/a> cards<\/li>\n\n\n\n<li>$75 for a <a target=\"_blank\" title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> or $0 when fees are fully refunded in the first year as part of certain welcome offers.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"71355,401432,100492,22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-an-additional-credit-card\">How to Apply for an Additional Credit Card<\/h2>\n\n\n\n<p>This varies from one financial institution to another.<\/p>\n\n\n\n<p>For example, an application for an additional credit card can be made directly online in your Tangerine and American Express accounts. Desjardins, on the other hand, requires you to bring your child to the branch with you, so bring your child&#8217;s ID with you. National Bank, on the other hand, allows you to do this over the phone.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Above all, be careful with your credit card, as there may be a breach of your agreement governing the use of your credit card and can have serious consequences if:<\/p>\n\n\n\n<p>So if you ever have a problem with an unauthorized expense or fraud on your card, the financial institution won&#8217;t be able to help you, and you&#8217;ll have no recourse.<\/p>\n\n\n\n<p>That&#8217;s why an additional credit card in your child&#8217;s name can be useful.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-additional-card-request\">Additional Card Request<\/h2>\n\n\n\n<p>When applying for a card, you will be asked to provide the following information:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Name<\/li>\n\n\n\n<li>Address<\/li>\n\n\n\n<li>Phone number<\/li>\n\n\n\n<li>Additional cardholder&#8217;s date of birth<\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-age-for-obtaining-an-additional-credit-card\">Minimum Age for Obtaining an Additional Credit Card<\/h2>\n\n\n\n<p>Banks allow you to add an additional minor holder, and here is a list of requirements:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-american-express\">American Express<\/h3>\n\n\n\n<p>13 years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-scotiabank\">Scotiabank<\/h3>\n\n\n\n<p>No minimum age<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-national-bank\">National Bank<\/h3>\n\n\n\n<p>16years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bmo-bank-of-montreal\">BMO Bank of Montreal<\/h3>\n\n\n\n<p>13 years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cibc\">CIBC<\/h3>\n\n\n\n<p>No minimum age<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22689\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-desjardins\">Desjardins<\/h3>\n\n\n\n<p>12 years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mbna\">MBNA<\/h3>\n\n\n\n<p>No minimum age<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pc-financial\">PC Financial<\/h3>\n\n\n\n<p>14 years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rbc-royal-bank\">RBC Royal Bank<\/h3>\n\n\n\n<p>14 years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rogers\">Rogers<\/h3>\n\n\n\n<p>16years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tangerine\">Tangerine<\/h3>\n\n\n\n<p>16years old and over<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-td\">TD<\/h3>\n\n\n\n<p>No minimum age<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-practical-advice-on-your-child-s-credit-card\">Practical Advice on Your Child\u2019s Credit Card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-free-baggage-tip\">Free Baggage Tip<\/h3>\n\n\n\n<p>If you give them an additional Aeroplan card that offers a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\" target=\"_blank\" rel=\"noopener\">free baggage allowance <\/a>(like the <a target=\"_blank\" title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> or the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/td-aeroplan-visa-infinite-privilege-card-qc\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card<\/a>), your child will be able to take advantage of this privilege. You&#8217;ll need to ensure that their personal Aeroplan number is linked to their Aeroplan credit card account.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"175297\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-access-to-an-airport-lounge\">Access to an Airport Lounge<\/h3>\n\n\n\n<p>Please note that if your main credit card gives access to an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/free-airport-lounge-access\/\" target=\"_blank\" rel=\"noopener\">airport lounge <\/a>, the additional card may also grant lounge access. Please consult the information on this card, as this may vary from one financial institution to another.<\/p>\n\n\n\n<p>Additionally, if your child is a minor and has an additional card that grants access to airport lounges, they will not be able to enter alone because alcohol is served in those lounges.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"49443\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-limit-for-your-dear-student\">Credit Limit for Your Dear Student<\/h3>\n\n\n\n<p>CIBC allows you to set a credit limit on your child&#8217;s additional credit card.<\/p>\n\n\n\n<p>You could have your own credit limit of $10,000 as the primary cardholder, but you could set another limit specifically for your child, such as $250. This can be a good idea to avoid over-spending when using the additional card.<\/p>\n\n\n\n<p>I advise you to check this with your financial institution because, usually, the primary cardholder&#8217;s limit is the only valid one.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-programs\">Reward Programs<\/h3>\n\n\n\n<p>Every purchase your child makes earns points in your account. It can be a great way to earn points faster in your rewards programs or to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/tips-unlock-bonus\/\" target=\"_blank\" rel=\"noopener\">unlock a bonus<\/a>!<\/p>\n\n\n\n<p>Also, check with your financial institution for promotions. Sometimes it&#8217;s possible to get discounts, cash back or extra points when you add someone to your account.<\/p>\n\n\n\n<p>For example, American Express currently gives <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-additional-cards-bonus-points\/\" target=\"_blank\" rel=\"noopener\">additional points when an additional cardholder is added<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2218\" height=\"1258\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR.png\" alt=\"Minimum Age for a Teenager to Have an Additional Credit Card - carte supplementaire Amex FR\" class=\"wp-image-430740\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR.png 2218w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR-450x255.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR-1024x581.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR-200x113.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/02\/carte-supplementaire-Amex-FR-768x436.png 768w\" sizes=\"(max-width: 2218px) 100vw, 2218px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-for-practicality\">For Practicality<\/h2>\n\n\n\n<p>When used properly, the extra card gives the youngster a sense of responsibility and offers peace of mind for mom and dad.<\/p>\n\n\n\n<p>More and more, I&#8217;m asking my youngster to run small emergency errands for the family, or to pay for certain purchases with his additional card when he&#8217;s alone at grandma&#8217;s (instead of grandma paying and me reimbursing her afterwards). It&#8217;s more efficient and, at the same time, he&#8217;s learning to be independent.<\/p>\n\n\n\n<p>Then, when he has his <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-first-credit-card-young-adutls-students\/\" target=\"_blank\" rel=\"noopener\">first credit card<\/a> all to himself, he&#8217;ll know how it works.<\/p>\n\n\n\n<p>Adding your child as an additional cardholder is an option with many advantages. All you need to do is take the time to explain the rules to your child! For more tips, see our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/children-personal-finance\/\">guide to introducing your children to personal finance<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"370036\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_to_get_a_credit_card_at_12_years_old_or_at_14_years_old_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow to get a credit card at 12 years old? Or at 14 years old?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To own a credit card, you must be of legal age in your province of residence. However, a child can be an additional cardholder on a parent&#8217;s credit card. The minimum age depends on the financial institution, and you can see the conditions in the article above.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_old_do_you_have_to_be_to_get_a_credit_card_in_quebec_or_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow old do you have to be to get a credit card in Quebec or in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You must be of legal age in your province of residence.<\/p>\n<p>For example, the age of majority is 18 in Quebec, Ontario and Manitoba, and 19 in New Brunswick and British Columbia.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_get_a_credit_card_before_i_apos_m_18_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get a credit card before I&apos;m 18?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Not as a primary cardholder. But a person aged 17 and under can be associated with a parent&#8217;s credit card account, thanks to an additional card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Here is a list of banks and the minimum age at which your child can have an additional credit card linked to your account.<\/p>","protected":false},"author":127,"featured_media":430980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[741,690],"class_list":["post-431635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_loyalty_program-aeroplan-en","mc_loyalty_program-american-express-membership-rewards","mc_market-all-of-canada","post_region-canada-en","travel_type-family"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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