I ran into the same problem a few years ago. I solved it by adding my kids as authorized users for my Citi AA credit card. I did it all online, and it was approved immediately. Since I am responsible for paying the bill, it didn't matter that my kids were minors. I received credit cards for them, and I shredded them (the cards, not the kids) when they arrived. Would you let an 11-year old have a CC? Not me