Bracket· Kids 6–12
Kids 6–12.
Keep full control while teaching autonomy?
At this age, the card is a teaching tool with training wheels. What matters most: granular parental controls, safe FDIC coverage, real financial education, and clear pricing. Investing weight is zero — kids this age aren't trading.
Ranked for Kids 6–12
4 cards- 01
Greenlight
Mastercard$5.99–$19.98/moFDICInvestingVerified July 20268.2/10 - 02
Chase First Banking
Visa$0/moFDICNo monthly feeVerified July 20267.8/10 - 03
Acorns Early
Visa$5–$10/moFDICInvestingVerified July 20267.4/10 - 04
Capital One MONEY Teen Checking
Mastercard$0/moFDICNo monthly feeVerified July 20267.2/10
Best for…
Editor's callouts
Best overall
Greenlight
Best free option (for Chase customers)
Chase First Banking
Best education
Acorns Early
Most accessible
Capital One MONEY
Scoring weights
How we weight this bracket
| Criterion | Kids | Teen | Young adult |
|---|---|---|---|
| Fees | 20% | 20% | 25% |
| Parental control | 25% | 15% | 0% |
| Savings | 10% | 15% | 20% |
| Security + FDIC | 20% | 15% | 15% |
| Investing | 0% | 10% | 20% |
| Education | 20% | 15% | 5% |
| Support | 5% | 10% | 15% |