Be at least the minimum legal age in your country
Have a valid government-issued ID
Have a Social Security Number or equivalent tax ID if required
Have a bank account
Have a source of income
Check your credit score
Compare credit card offers
Choose a card that matches your needs
Apply online, by phone, or in person
Provide accurate personal and financial information
Wait for approval
Activate the card after approval
Use the card responsibly
Pay at least the minimum payment on time
Keep your credit utilization low