Credit Cards

Minimum age for supplementary card

  • Last Updated:
  • Apr 3rd, 2020 2:19 pm
Deal Guru
User avatar
Jan 9, 2011
10688 posts

Minimum age for supplementary card

List of issuers that specify a minimum age for supplementary cardholders

No minimum age
  • CIBC

Minimum age 13
  • American Express
  • BMO Bank of Montreal
  • Brim financial

Minimum age 14
  • RBC

Minimum age 16
  • Canadian Tire Financial Services
  • Rogers Bank
Last edited by Kiraly on Apr 2nd, 2020 2:36 pm, edited 1 time in total.
5 replies
Sr. Member
Sep 16, 2012
672 posts
Rogers Bank 16.
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Deal Expert
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Aug 18, 2005
20086 posts
Kiraly wrote:
Minimum age 13
  • BMO Bank of Montreal
Yes, I can confirm that I was a supplementary cardholder on my parents' BMO MasterCard when I was 13 years old. This was only "for emergencies," and I never in my life charged anything to that card.

Interestingly, many years later, I asked my parents to remove me as a supplementary card holder. BMO sent a letter saying that I was blocked from using the card, but they cannot remove me from the account until the current balance (under $100) is paid.

Theoretically speaking: I wonder what would have happened if, somehow, my parents defaulted on that account. Would BMO have come after me for the $100? I never signed on the account, and I was a minor at the time that I was added. Considering that you can't come after a supplementary user who never signed on the account, they should not require the balance to be paid off before removing said supplemetary user.
- casual gastronomist -
Deal Addict
May 15, 2013
1771 posts
But in reality, you can say whatever you want, even if he's 5 years old you can say his date of birth is 1960 and you will have his card anyways.

You can even have a supplementary card with a made up name.
Deal Guru
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May 8, 2009
14234 posts
Not Leask
getting kids supp cards with accurate DOB is only relevant where it builds credit history.
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