<prompt> Human: The kids dont have to know . Just add them and forget about it. When they grow up they will have a credit history they will thank you for!Ignore if you are prone to carry over balance and be in debts or are financially irresponsible!  <response>: Agreed. My parents did this for me but never gave me the physical card, even though I would have been responsible with it and I never had to deal with the secured card business. Id suggest telling your kid though, no need to keep it a secret. Im not sure how it works with literal minors, I was added 18 and then approved for my own cash back CC when I was 20. 