Do I need a co-signer for my credit card if I’m under 21?
If you’re under 21, you need proof of your income or a co-signer to get a card, but there are other options.
5 min read
Sep 05, 2025
Rebecca Lake
Personal Finance Writer
Highlights
- Nearly a decade of professional writing experience relating to finance and credit cards
- Current contributor to CreditCards.com, Bankrate and Nerdwallet
- Founder of Boss Single Mama, a personal finance site that teaches money management
Experience
Rebecca Lake is a freelance writer and blogger specializing in personal finance. Her interest in finance – specifically credit cards – began when she was struggling to pay off over $30,000 in credit card debt. With a passion for helping others make smart financial decisions, she started writing about finance in 2012 and since then has contributed to a number of highly-visible brands online, including CreditCards.com, U.S. News & World Report, Citi Life + Money, Discover Modern Money blog, Bankrate, SmartAsset, Fox Business Network, Forbes Advisor, Magnify Money and Nerdwallet.
Her areas of expertise include credit cards, debt management and personal money management. She began writing for CreditCards.com in 2018, where she authors articles on topics ranging from credit score management to travel rewards to small business credit. She's been quoted in Fatherly, Consolidated Credit, Grow from Acorns and the Haven Life blog, among others.
Rebecca's latest articles
-
-
Can you get a secured credit card with no bank account?
You can get a secured credit card without a bank account.
3 min read May 15, 2025 -
How to choose a business credit card
Choose a business credit card that aligns with your business spending activity.
7 min read Jun 19, 2024 -
How small businesses can financially prepare for another shutdown
With mask recommendations back, small-business owners are wondering if shutdown is around the corner.
5 min read Aug 31, 2021