Free plans only
7 Best Free First Credit Cards for Teens of 2026
By the Rankozo research desk · Updated November 11, 2026
7 of the 9 tools in our best first credit cards for teens ranking offer a permanent free plan. Step Visa Card scores highest among them at 9.0 out of 10.
- 01
Step Visa Cardparents of teens under 18 who want credit history to start early
No monthly subscription fee; instant transfers optional for a fee
Full entry, No. 1 overallPaid from
Free
Score 9.0
- 02
Chase Freedom Rise18-year-olds with no credit history and a Chase bank account
$0 annual fee
Full entry, No. 2 overallPaid from
Free
Score 8.8
- 03
Discover it Student Cash Backcollege students at 18 who will activate quarterly categories
No annual fee
Full entry, No. 3 overallPaid from
Free
Score 8.8
- 04
Capital One Quicksilver Studentstudents at 18 who want flat cash back without categories
$0 annual fee
Full entry, No. 4 overallPaid from
Free
Score 8.6
- 05Capital One Savor Student
students at 18 whose spending is mostly food and streaming
$0 annual fee
Full entry, No. 5 overallPaid from
Free
Score 8.6
- 06Capital One Platinum
parents adding a teen as an authorized user, or 18-year-olds focused on approval
$0 annual fee
Full entry, No. 6 overallPaid from
Free
Score 8.0
- 07Chase First Banking
Chase families with younger teens who need a supervised debit card
$0 Monthly Service Fee; requires a qualifying Chase checking account
Full entry, No. 7 overallPaid from
Free
Score 8.0
Scores and prices come from our Best First Credit Cards for Teens ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com