You should be at least 18 years old, be a student, or have a job. However, you can obtain a credit card if you don’t work, by having someone co-sign or by becoming an authorized user on a parent or guardian’s account. For this you do not need a job or assets. If you have never had a credit card consider limited/no credit offers. To make sure that your credit history is clear, request your credit report. Knowing your credit score will help you choose the right card.