The race for the Starter generation has split into two winning motions — cultural pull and financial depth. Almost no one has both. This is the map of who's winning the 18–24 wallet, how each one feels to a 22-year-old, and where the open ground sits.
No competitor holds more than two of the five pieces below. Chase is the only player that already owns the hardest one to build — inherited trust through the family funnel — and, with the Apple Card coming in-house, is actively buying its way deeper into the Gen-Z base. The job is to assemble the rest.