Credit cards play a major role in the financial system of the United States. They help adults build credit, manage emergencies, pay for daily expenses, and qualify for loans in the future. However, getting a credit card in the USA involves rules, financial responsibilities, and eligibility requirements. This guide explains the top 10 ways adults usually get a credit card and how the process works, so you can learn how the system operates and prepare for responsible money management in the future.

1. Applying Through a Bank or Credit Union

One of the most common ways adults in the USA get a credit card is through a bank or credit union. Most American banks—such as Chase, Bank of America, Wells Fargo, Capital One, and Citibank—offer different credit cards based on income, credit history, and financial habits.
Adults select a card, complete an application, and wait for approval. Banks usually check credit score, employment status, and financial stability before issuing a card.

2. Getting a Credit Card Through Online Applications

Many adults in the USA apply for credit cards online. Almost all major card issuers provide online forms where applicants can compare rewards, fees, and benefits. Online applications are fast and typically give instant decisions. Approval depends on credit score, payment history, and income level. This method is popular because it saves time and provides clear information about eligibility.

3. Receiving a Pre-Approved Credit Card Offer

Sometimes banks send pre-approved credit card offers to adults who meet certain criteria. These offers arrive through email or physical mail and are based on the applicant’s existing credit profile. Although “pre-approved” does not guarantee final approval, it usually means the chances are high. This method is convenient for adults who already have some credit history.

4. Getting a Secured Credit Card

For adults who are new to credit or rebuilding damaged credit, a secured credit card is a common option. A secured card requires a refundable deposit—usually between $200 and $500—which becomes the card’s credit limit.
Banks use the deposit as a safety measure. Over time, as the cardholder shows responsible behavior, the bank may upgrade the account to a regular unsecured credit card. This method is widely used by newcomers to the USA or adults who need to repair their credit.

5. Becoming an Authorized User on a Family Member’s Card

An authorized user is someone who is added to another person’s credit card account. This is often used for young adults learning financial responsibility. The primary cardholder remains responsible for payments, but the authorized user can benefit from the card’s credit history.
This method helps people build credit early without needing to apply for a card on their own.

6. Getting a Store Credit Card

Many adults get store credit cards from large American retailers such as Amazon, Walmart, Target, Macy’s, and Best Buy. Store cards usually offer discounts and rewards, making them attractive for frequent shoppers.
These cards typically have easier approval requirements compared to bank cards, but they often come with higher interest rates. Adults choose this option when they want a simple way to build credit while enjoying store-specific benefits.

7. Applying After Building a Credit Score

In the USA, a credit score strongly influences credit card approval. Adults with no credit history often start by:

• Opening a secured card

• Taking small loans

• Becoming an authorized user

• Using credit-builder programs

After building a positive score, they apply for standard credit cards with better rewards, lower interest rates, and higher limits. This method is common because lenders trust applicants with a strong credit background.

8. Using Credit Union Membership Benefits

Credit unions are membership-based financial organizations. Adults who join a credit union—through employment, community groups, or family relationships—often get access to low-interest credit cards.
Credit unions are known for friendlier approval requirements and lower fees compared to large banks. Many adults prefer this method because it supports long-term financial stability.

9. Getting a Credit Card Through Employment-Based Banks

Certain companies in the USA offer special banking relationships for employees. These programs sometimes include simplified credit card approval or exclusive card offers with lower fees.
For example, large corporations like Google, Amazon, and government agencies work with financial institutions to give employees financial benefits. Adults use this route when they want convenient banking linked to their workplace.

10. Applying for a Student Credit Card (For Adults in College)

In the USA, student credit cards are available for college students aged 18 or older. These cards offer lower credit limits and beginner rewards. Banks also require proof of income or a co-signer in many cases.
Student cards help young adults learn how to budget, manage debt, and build credit early in their financial life.

Important Eligibility Requirements in the USA

To receive a credit card, adults must meet certain requirements:

1. Must Be At Least 18 Years Old

Credit cards in the USA are legally available only to people who are 18 or older.

2. Must Have Income or a Financial Sponsor

Banks check employment income or financial support to confirm the applicant can make payments.

3. Must Have Identification

Applicants must provide:

• Social Security Number (SSN) or ITIN

• Government ID

• Address verification

4. Must Undergo a Credit Check

Banks review credit history, payment behavior, and debt management before approval.

These rules ensure financial safety and prevent misuse.

How Young People Can Prepare for the Future

Even if someone is not old enough yet, they can start preparing for financial responsibility:

• Learn how credit scores work

• Practice budgeting

• Save money regularly

• Understand interest rates

• Talk with parents or guardians about authorized user options

• Develop good spending habits

This helps create a strong foundation for responsible credit use in adulthood.

Final Thoughts

Credit cards in the USA offer financial convenience, security, and opportunities to build strong credit. Adults obtain them through banks, online applications, secured card options, credit unions, student programs, and store card offers. Understanding how the process works helps you plan for the future and develop smart money habits.