Pre-qualified offers are not binding. Getting a taxpayer ID number (ITIN) through the IRS, for example, might be a smart step to help you get your credit card sorted. You can apply for a Deserve EDU card online, without impacting your credit score. A larger security deposit can lead to a higher credit line, but you can find options that allow you to get started with a $49 to $199 deposit. The card further stands out with incentives like cash back and perks, rare benefits among cards for people without a credit history. After the end of the introductory period, the standard APR will apply to your cards balance and any additional purchases., While the intro APR feature might save you money if you have to make a large purchase now and pay it off over time, its best to get in the habit of paying your credit card bill in full each month. Do not sell or share my personal information. Secured cards work like unsecured cards and paying your bills on time can help you build credit. Annual fee: $0 . No need to have built U.S. credit to apply! A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. Dia Adams is a Managing Editor for Forbes Advisor in the credit cards and travel rewards vertical. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. International students studying in the U.S. can apply for a Deserve EDU Mastercard for Students* without a Social Security number or ITIN. It offers 25,000 points for spending $1,000 in the first 90 . Both U.S. Bank and Wells Fargo accept an ITIN as a replacement for SSN identification, but this applies to secured cards only. But it's possible to qualify for the card with no credit. Nova Credit receives compensation from third-party advertisers, but this content is not provided by them. To help, we compared student credit cards and found several picks that could be the best credit cards for international students: The Deserve EDU Mastercard for Students offers solid rewards but they're not as generous as those on the Discover it Student Cash Back. Terms apply, Monitor your credit score with CreditWise from Capital One. You'll have to be a U.S. resident with a valid Social Security number or an individual taxpayer identification number to qualify for the card. A student with no income can get a credit card if they become an authorized user on someone else's account or if they get a co-signer, though no major banks offer the co-signer option. Nova Credit does not include all card companies or all card offers available in the marketplace. $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card. Youll be able to apply for this card if youre an international student with a US address, and either an SSN or ITIN. However, depending on how youll use your credit card, you may be able to earn more rewards with other cards that have an annual fee. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). $300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Melissa Lambarena is a lead writer on the credit cards team at NerdWallet. Your credit limit matches your deposit. Credit Score ranges are based on FICO credit scoring. You may not have a social security number. Opening a local US bank account can help to cut your international transaction fees - and getting a credit card can also be a smart way to make daily life easier. The first is to apply for a card that doesn't require it. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. If you are a newcomer to the U.S., and international student or another noncitizen, American Express might have you covered: You can apply for all American Express personal credit card online without an SSN if you have credit history in one of the following countries:Australia, Canada, India, Mexico, UK, Brazil, Dominican Republic, Kenya and Nigeria. If you apply without a Social Security number, you can still use this card to build credit but you may have to complete a few more steps to get your credit report. When clicking this, you may be able to qualify for the card using your credit history from Canada, the UK, Australia, India or Mexico. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If youre a US resident and have an SSN, but you need to build - or rebuild - your credit card, a specialist product like the Credit One Platinum Visa for Rebuilding Credit might help. Unlike other credit cards, this card doesn't offer cash advances. However, if you have an ITIN, you may be able to put this in place of the SSN and submit your application. Your credit history is used in a surprisingly broad range of situations, from assessing the APR to give you on a credit card, to checking your suitability for a rental property or deciding the rates to offer for insurance premiums. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Get an annual $20 statement credit if your grade point average (GPA) is at least a 3.0. Fortunately, this isn't always the case. Its that simple, Be automatically considered for a higher credit line in as little as 6 months, Enjoy peace of mind with $0 Fraud Liability so that you wont be responsible for unauthorized charges, Help strengthen your credit for the future with responsible card use, Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where youll get Capital Ones best prices on thousands of trip options. With a $0 annual fee, no foreign transaction fee and deposits less than the secured line of credit, the Capital One Platinum Secured Credit Card certainly falls short of better secured cards on the market, but its issuer may approve you for a card without requiring your social security number. However, card issuers will often still try to pull an applicants credit report and might not approve an application from someone who doesnt have good credit or shows other signs of poor creditworthiness, such as a low income compared to their monthly bills.If you have a credit score abroad, Nova Credit can help you qualify for the best credit cards for international students that are available to you. The benefits: Many credit cards are part of a rewards program and allow you to earn cash back or travel rewards when you use your card for purchases. is not currently accepting applications. and the Millennial Money column featured in The Associated Press. Unfortunately, Discover and Barclays are two widely used companies not accepting card applications without a Social Security number. You don't need an SSN to apply, which makes this a popular choice for international students. Deserve Mastercards are issued by Celtic Bank, Member FDIC. This card offers 5% cash back in rotating bonus categories that you activate, on up to $1,500 in spending per quarter, and 1% on all other spending. Credit limit: Up to $5,000. Amex doesnt include warehouse stores, specialty markets, or superstores in the U.S. supermarkets category. To get a Social Security number, you must first be an F-1 or M-1 international student with a Form I-20. Melissa has a bachelors degree in sociology from the University of California, Los Angeles. The key is managing credit payments in a responsible way by always paying on time in full and not exceeding a credit utilization ratio of about 30% across all accounts. Since that time, a 9-digit number has been issued to each new U.S. citizen, connecting us all to the Social Security database for life. Most credit card companies will require you to get an SSN to open a credit card account. Studying abroad is an increasingly popular option for UK students, and one of the easiest (and cheapest) ways to go about it is to access the Erasmus With students facing average annual tuition and living costs of 22,715 in the UK, it is hardly surprising that thousands of students are looking abroad to Would you like to earn your BA or MBA abroad? Once approved, you'll automatically start earning cash back on all purchases. To learn more about SSNs and Social Security in general, check out our guide: What is Social Security? Some credit card issuers will accept this number for a credit card application if you do not have an SSN. If youre unsure of how to apply online, call the card issuer and ask to speak with a representative or visit a local bank branch., Being able to apply is important, but youll also need to qualify for the card, which can be more difficult with no SSN. The company weighs income, savings and spending to evaluate creditworthiness. This may allow you to apply for loans and financing and improve your qualifications for renting a home and applying for a job. You dont need an SSN to apply, which makes this a popular choice for international students. Chase is another bank that accepts card applications online with an ITIN, though it may be more difficult to qualify with fair or limited credit history as Chase requires a good credit score for most card applications. For example, American Express requires that authorized users provide a SSN, while Chase only requests the authorized users personal contact information. That's not necessarily a bad thing, though; cash advances generally come with high fees and high APRs. Earn unlimited 1.5% cash back on every purchase, every day. Secured cards can be a great place to start until youre eligible for a wider selection of cards. A top-notch card for international students and a strong option for students with no credit history. You can hold over 50 different currencies in the account, and send money easily all over the world. Is the Lending Industry Ready for Alternative Data? Key points about: credit cards for international students. Otherwise, youll get the money back when you close your account, assuming its in good standing and you don't have an outstanding balance. If you have a good credit history in your home country, some international banks and card issuers may be able to review that credit history when considering your application. Do International Students Need a Social Security Number? At the end of the first year, Discover matches all cash back earned, dollar for dollar. It belongs to the Visa network so you can use it pretty much anywhere internationally, whether you're traveling or studying abroad, and it features a $0 foreign transaction fee. The Discover it Student Cash Back will require a traditional credit check, and if you have bad credit, you may find it hard to get approved. Most new applicants will receive only a small credit line to start, but can qualify for a credit increase after as few as six months of on-time payments. Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Her work was featured by Forbes, USA Today and The Associated Press. The bureaus can then generate credit reports by matching you with your accounts based on identifying information, such as your name and address. Studying abroad is a big financial investment for students. Many financial institutions require an SSN on an application for a new account, butgetting yourself a Social Security number(SSN) isnt always easy.Not having an SSN can make it difficult to get a credit card and build U.S. credit, open a checking or savings account, or get a loan, but there are other options. Do you know any credit cards that she could apply? When evaluating offers, please review the financial institutions Terms and Conditions. If you have a credit history in any of these countries, you may be able to rely on this to open an Amex card in the US. Conduct informed research before deciding which cards will best help you achieve your financial goals. Enrollment required. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. This compensation comes from two main sources. If youre still in the early stages of building credit in the US, you could still benefit by using your credit history from your home country. Consider your spending habits, budget and credit situation to determine which card is right for you before applying for any card. This type of responsible use can save you money on interest and help you establish a positive credit history., Student credit cards are designed for college students, and credit card companies realize that students might not have a long credit history, high credit score, or large income. for other options. The company weighs income, savings and spending to evaluate creditworthiness. Just try to avoid carrying ongoing balances so interest charges don't pile up, and make all of your payments on time. Referral bonuses are unlimited! Apply for a U.S. credit card using your foreign credit history. You can apply for Bank of America credit cards and bank accounts using an ITIN or your passport by visiting a bank branch or calling customer service., Earn 1.5 points per dollar. Many or all of the products featured here are from our partners who compensate us. These issuers also both offer cards outside the U.S. and if you have an open account with either issuer in another country, your foreign credit activity will be considered. Meet Nicky. They allow you to apply using other forms of identification, such as your passport and visa information.. $155 Walmart+ Credit: Walmart+ members enjoy shopping perks both online and in-store at Walmart. 1. https://de. With the Deserve EDU card, theres no annual fee and you can get 1% cashback on purchases. $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card. They will have to go through a lot if they want to let you use their services without a SSN. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. No SSN required for approval: You can apply with an ITIN or passport from your home country. Important Note:On the American Express application page, you will have the option to click "I don't have credit history in the U.S." in the Social Security Number (SSN) field on the application page. The APR on this card could be a great benefit, with a 0% APR opening offer and the potential to access a relatively good APR if you are deemed creditworthy. . A cash-back rate of 1% is low compared with a lot of cards, but its generous for someone with no credit history. If you need a card that makes it easier to access cash when you're not near a bank branch, consider a debit card or prepaid card. The first late fee is waived, saving you up to $25 if you slip up while youre getting the hang of this credit thing. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. Figuring out which is the best credit card for international students in the US can be tricky. Although Deserve removes some obstacles to credit for many students, by law all applicants under 21 must prove they can pay their bill on their own. Best Without SSN Requirement for Fair Credit Capital One QuicksilverOne Cash Rewards Credit Card Apply Now On Capital One's Website 2.3 Up to 5% Reward Rate Earn unlimited 1.5% cash back. " And unlike secured credit cards, it doesn't require an upfront security deposit for collateral. This smart card also comes with a multi-currency account, with your own US bank details so you can manage your money like a local once you arrive in the US. Best Without SSN Requirement for Fair Credit, Best Without SSN Requirement for Students, Best Without SSN Requirement for No Credit/Bad Credit, Capital One QuicksilverOne Cash Rewards Credit Card. After graduating from college, you can continue using the card and possibly get upgraded to the Deserve Pro Mastercard credit card, which offers more rewards. , you can call Deserve to notify it and eventually skip the extra paperwork. Below is our review from when the card was available. Earn 5% cash back on up to $1,500 in combined quarterly purchases at a changing list of merchants each quarter. The key is knowing where to look and how to apply. This listing focuses on cards which are most likely to work for students, to start your research. Upon approval, card activation and use, you'll receive $30 and so will your referral. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. $12.95 plus applicable taxes. US citizens headed abroad to study might run into different issues. Enrollment required. Plus, earn 5% cash back on hotels and rental cars. There's an introductory APR period: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 17.99%-26.99% Variable APR. Commissions do not affect our editors' opinions or evaluations. Discover doubles your cash back earnings at the end of your first year as a new cardmember.. After graduating from college, you can continue using the card and possibly get upgraded to the. Reports your payments to all three major US credit bureaus., Discover isnt as widely accepted as Visa, Mastercard, or American Express.. No Social Security Number required for international students to apply. Check if you're eligible to use your foreign credit history to apply for a U.S. credit card, even without an SSN. They need to know that they can trust you before they authorize any type of credit. Students may also get a credit card if they receive money from sources other than a job. A few issuers will also accept a passport if you apply over the phone or at a branch., Some credit card issuers, such as Jasper (formerly CreditStacks), alsooffer credit cards to those without an SSN such as international studentsor professionals relocating to the US for work. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. . Simple, but not necessarily easy. Moved to the U.S. from India, Canada, U.K., and more? Whether you're an international student or studying abroad, you can find a card that's right for you. Best for travel rewards: American Express Gold Card. Bank of America Cash & Travel Rewards Cards. and you must provide a deposit of at least $200. However, Discovers limited acceptance abroad might be a deal breaker. Here are the fees and charges youll want to consider when choosing this card. Thats extra money to put toward late-night food and coffee during midterms or finals. But it's possible to qualify for the card with no credit. With a valid ITINa number which is only available to those not eligible for a SSNtwo great cards you may qualify for are the Bank of America Travel Rewards credit card for Students and the Bank of America Customized Cash Rewards credit card. Among those factors reviewed are your U.S. bank account. Enrollment required. If youre not sure how to proceed, its worth talking to your college or universitys international student support team, as they may be able to offer helpful individual advice. Another alternative is to choose a secured credit card. Here are three options to get a card without an SSN: Request an ITIN. However, specified personal information like an SSN and ITIN make it easier for credit bureaus to report information accurately. American Express Global Card Relationship program, Bank of America Travel Rewards credit card for Students, Bank of America Customized Cash Rewards credit card, apply for ITINs through the Internal Revenue Service, No boosted rate in common spending categories, Earn unlimited 1.5% cash back on every purchase, every day, No rotating categories or limits to how much you can earn, and cash back doesnt expire for the life of the account. Balance Transfer is back! Other Benefits and Drawbacks: A solid card for students, including U.S. citizens, the card offers strong benefits and rewards even for those without a credit history. However, there are some companies, that will allow international students to open one without an SSN. Get more smart money moves straight to your inbox. This requirement is not universal for all cards, however. Currency conversion is always done using the mid-market exchange rate, with just a low transparent fee to pay - which could make this a much cheaper option than using your regular bank for international payments. The Capital One QuicksilverOne Cash Rewards Credit Card has an annual fee, but offers cash rewards for eligible applicants with average credit or above. Petal-2 visa credit card comes with a minimum credit limit of US$300 up to US$10,000, depending on . offers solid rewards but they're not as generous as those on the. Earn 1% unlimited cash back on all purchases with no annual fee. The other is to apply for a credit card from an issuer that allows you to use an ITIN instead of an SSN. And if you choose a smart option like the Mastercard from Wise, you can also access low cost currency conversion, and send and receive payments all over the world - making it easy to organize your money across borders while you study abroad. This means making prompt repayments, and avoiding maxing out the credit limits youre offered. These include cell phone protection insurance and car rental collision waivers. We believe everyone should be able to make financial decisions with confidence. Be prepared to show a copy of your passport and/or U.S. visa if you have one. So how do you get one? Receive a 10% points bonus if you have a Bank of America checking or savings account., Receive a 25,000-point intro bonus offer (worth $250 in travel statement credits) if you make $1,000 worth of purchases within 90 days of your account opening.. With a high APR of 29.99% (Variable), cardholders who cant pay a bill in full and on time each month should stay away from a card like this one. Base rewards rate: 2% cash rewards on purchases. Capital One SavorOne Student Cash Rewards Credit Card: You can apply for this credit card with an ITIN number. No SSN required. See if you prequalify with no impact to your credit score in minutes. She has enthusiastically covered credit card-related topics for over six years. Access your free international credit report to see which U.S. credit cards you could already be eligible for. Can international students get credit cards? Welcome Bonus: 1 year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles. International students staying in the United States for an extended time may benefit from establishing a credit line. *Oldest account: 9 months. Add your Platinum Card to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events. If you frequently travel and want to enhance your experience, the Platinum Card from American Express could be a good fit.. Other options available include applying for a secured . See our. The points you receive from purchases get rounded up to the nearest 10 points. American Express doesnt have a student-specific card, but it does offer a rewards card without an annual fee, which could be interesting to students.Before, it was virtually impossible for students to obtain an American Express card. Youll have to link your bank account in order for it to verify your address and ability to pay. Just try to avoid carrying ongoing balances so interest charges don't pile up, and make all of your payments on time. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. If you have a Social Security number, though, other student cards offer richer rewards. See our best credit cards for college students for other options. If youre a US citizen looking to study abroad, this could be the right credit card for you. This influences which products we write about and where and how the product appears on a page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. The act was designed to stimulate and protect the countrys recovering economy and protect the personal resources of its current and future citizens. Points may be worth less than 1 cent each if you dont redeem them for gift cards. Upgrading to another card instead of closing the account also preserves the length of your credit history, an important factor in your credit score. Ssn to apply for a credit card issuers will accept this number a. Trust you before applying for a Deserve EDU Mastercard balances so interest charges do pile... 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