Yes, a 22-year-old can typically apply for and get a credit card without the need for a co-signer or parental involvement. The Credit CARD Act of 2009 allows individuals who are 21 years old or older to apply for a credit card in their name without the need for a co-signer, provided they have their independent source of income or can demonstrate their ability to repay the credit card debt.At 22 years old, you are generally considered an adult in the eyes of credit card issuers, and you have the legal capacity to enter into a credit card agreement. However, your approval for a credit card will still depend on factors such as your credit history, income, and overall creditworthiness. If you have a stable income and good credit history, you are more likely to qualify for a credit card with favorable terms and features.