It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners. It gives you 1% cash back on every purchase, with no annual feeand if you pay your bill on time, you'll boost your cash back to 1.25% for that month. If you travel outside of the United States, pay attention to foreign transaction fees. The late payment is up to $25, while the returned payment is up to $37. However, international students can find it tricky to get approval for a credit card without a US credit history or SSN. After that, the variable APR is 16.74% - 26.74%. Capital One Journey also has a $0 annual fee and can earn you rewards as well, with 1 - 5% cash . Youll be able to get your debit Mastercard without an SSN - you just need to apply online and provide some personal information and ID to get started. I am often asked how people can apply for credit cards with a Social Security Number (SSN). If youre in the US as an international student, youll need to take a few steps to get your finances into order. Bank of America was recently voted best bank for college students** - and this card comes with a number of useful perks such as rewards, no annual fee and no foreign transaction fees. 2.Deserve EDU Mastercard for Students. Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value). Capital One Journey Card. 2. Furthermore, the rewards program is uncomplicated, offering a flat rewards rate without caps, limitations, or expiration dates. Apply for US student credit cards that only require your passport. Dont worry that your lack of a credit card will prevent youthere are plenty of ways to build credit when you have none. Plus, earn 1% Cash Back on all purchases. Some of our articles feature links to our partners, who compensate us when you click them. And rest easy knowing your data is safe and encrypted. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. For the most part this applies to people with certain immigration status, such as International Students, or people on certain types of visa. The best things about being a student? Earn 1% Cash Back on all your purchases. However, keep in mind that this card only reports to two of the three major credit bureaus. A review would mean a lot to us and takes less than 20 seconds. ** At the time of research, theres also an opening bonus offer which could net you $250 off travel purchases, if you spend $1,000 on your card within the first 3 months of opening.. We promise to always deliver the best financial advice that we can. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. All Rights Reserved. It offers: The credit tracking, credit reporting to the major bureaus, and credit support service (Eno) offered by Capital One are important features if youre someone looking to improve your credit score. The Petal 1 "No Annual Fee" Visa Card earns 2% - 10% Cash Back from select merchants. The Card offers 1.5x points on all other purchases. Can you get a credit card without an SSN? It cant come from the hotel though because it is a voucher to use in a range of hotels you should get Citi bank on the line if you met that spend. The Visa Signature College Real Rewards Card offers an introductory 0% APR for the first 6 billing cycles on purchases and balance transfers (within 186 days from account opening), then 16.74% - 26.74% Variable. Some cards will suit you - others may not. Given the points system (which can be put directly toward travel expenses) and the fee-free foregin transactions, this card is especially great for frequent travelers. As a new member, you can earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days. [ jump to details ] The Bank of America Travel Rewards credit card earns an unlimited 1.5 points . The Card offers 1.5x points for every dollar you spend on eligible purchases. Over time, youll show youre financially responsible - and build that credit score along the way. If youre an international employee working in the US, the Bank of America Travel Rewards card can be a great card to have on hand in the US and for your trips home. Unfortunately, there are no cashback rewards on the Capital One Platinum Secured. The American Express Blue Cash Everyday Credit Card is worth looking at if youre an international student from the UK, Canada, India, Mexico or Australia. You go through a general pre-qualification process to see which card (if any) youre eligible for. Popular Cards. We also looked for options available for those with limited or poor credit history, and cards which may be offered even if you dont have an SSN to use for identification purposes. 9 Best Credit Cards for Bad Credit in December 2022, Best Credit Cards for No Credit History in December 2022, Best Credit Cards for Building Credit in December 2022, Best Credit Cards for a 500 Credit Score (or Below), Best Credit Cards for Fair/Average Credit in December 2022, Best Credit Cards for Credit Scores Around 580, Credit reporting to the major credit bureaus, Comparatively low balance transfer and cash advance fees, 25,000 bonus points if you spend $1,000 within 3 months of opening your account, Mail relevant documents (i.e. However, Discover requires an SSN from . Prior results do not guarantee a similar outcome. One, or more of these methods should allow you access to a credit card in the US. After that, the variable APR is 16.74% - 26.74%. More importantly, their credit history will be added to your own credit report, whether for better or for worse. The card boasts no annual fee, no foreign transaction fees, and standard fees for functions like cash advances. Build credit history with Journey Student Credit Card. No, you cant transfer your foreign credit history to your US credit report. What if I cant get a credit card without an SSN? . Keep in mind that the Capital one Platinum Secured is a secured credit card, meaning it requires a security deposit. Lets get started. 3% Cash Back on streaming, cable and ridesharing services. You can use an EIN to get a business credit card if you don't have an SSN, but you'll probably need to get an ITIN first if you're applying online. Thats our first priority, and we take it seriously. 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. How to increase Credit Score. Tools. Deserve Edu Mastercard. Capital One Platinum Credit Card. You can get a business credit card with an Employer Identification Number (EIN) if you dont have an SSN. The Card offers 1% Cash Back on all other purchases. Credit cards are an important financial tool that can help you navigate modern life in the US more easily. Apply for a Secured Credit Card these cards are backed with a deposit, stored in a CD to the amount of the Credit Line. Were grateful for that trust, and we wont abuse it. Heres a rundown of the fees you need to consider before applying. Make sure to use it responsibly so that you can build your US credit history and enjoy the benefits of having good credit. She has a BA from McGill University in Montreal, Quebec. Please thoroughly research everything you read here and seek professional representation before acting on any information you may have found in this blog. This card has one of the best security deposit offers available, as you actually can put less money down then you get as a credit limit. 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. are required. Capital One reports to the three major credit bureaus, making this card a good option for building credit. If you click on one of those links, we get paid. That makes this a good choice if youre likely to carry a balance from month to month. FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies. 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. Best Credit Cards Without A Social Security Number. A major reason to apply for credit cards in the US is to build a credit score. being an authorized user affects your credit score, Individual Taxpayer Identification Number, Apply for an Employer Identification Number (EIN) Online. Today, we are going to go through all the credit cards that are available for international students in Australia, how to qualify, and first steps to getting. The Laurel Road Student Loan Cashback Card earns 2% Cash Back towards eligible student loans and 1% Cash Back towards anything else. The Petal 2 Card has no fees of any kind and is designed to help you build credit. Bank of America has two types of credit cards that you can easily apply to without a Social Security Number (SSN) i.e. Accelerate your ambitions with the Zolve U.S. credit card; one that comes with no annual fee, a high credit limit and can be used across continents with no foreign transaction fees. This is a tax processing number thats issued by the Internal Revenue Service (IRS) to individuals that need to file tax returns but arent eligible for an SSN. Not only does it offer high approval odds and credit-building potential, but it has: Finding a card when you dont have a credit score is hard enough. Capital One QuicksilverOne Cash Rewards Credit Card. You might also not get all the benefits that other credit cards do. Best for building credit: Journey Student Rewards from Capital One. However, by doing some research on different credit card companies policies, itll still be possible to find a card without SSN requirements thats suitable for you. However, keep in mind that many prepaid cards charge fairly high fees. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. You may be able to apply for a credit card without an SSN. The card's APR is 18.74% (Variable), 29.99% (Penalty APR). Actually if you do have certain relationships with Chase (I already believe 10K is a threshold due to anecdotal evidences around me), you can even apply for the Chase Freedom without SSN/ITIN but you need to do it at a branch with a banker who is willing to assist you. Dispute any errors on your credit report and work on building your credit if needed. Thanks! However, this week the Department of Homeland Security announced proposed changes to this policy, which would allow certain H4 Visa holders to apply for work. There is no annual fee and you can apply without SSN. Your email address will not be published. We make money through advertising. Getting a credit card when you have no SSN can be challenging, but it isnt impossible. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. No intro APR on purchases and balance transfer. In Parents Must Read, Study Abroad. The Comerica Bank Visa College Real Rewards Credit Card earns 2,500 bonus rewards points awarded after first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). The Card has a 0% introductory APR period for 6 months on purchases. While many credit card issuers in the US require applicants to have an SSN, you can still get a credit card without one. After that, your APR will be 16.24% to 25.24% Variable. 0% Introductory APR for 6 months from date of account opening, 1.99% Introductory APR for 6 monthly billing cycles after account opening, 0% Introductory APR for the first 6 billing cycles, View all Journey Student Credit Card details, View all Petal 2 Cash Back, No Fees Visa details, View all Petal 1 "No Annual Fee" Visa details, WebBank Petal 2 Cash Back, No Fees Visa, Commerce Bank Webster University Rewards Visa, KeyBank Laurel Road Student Loan Cashback, Valley Visa Signature College Real Rewards, View all Webster University Rewards Visa details, View all Laurel Road Student Loan Cashback details, View all Visa College Real Rewards details, View all Visa Signature College Real Rewards details. Simplify Your Credit Card Search with Myfin! Discover Bank Discover it Student chrome. Becoming an authorized user on a credit card means that youve been added to that card as a secondary user. Some issuers will allow you to qualify for a credit card using an Individual Taxpayer Identification Number (ITIN) or even just a foreign form of ID, such as a passport. Learn the requirements to get a U.S. credit card. Pretty comprehensive! The Petal 1 "No Annual Fee" Visa Card does not charge an annual fee or fee for foreign transactions. Last Updated on December 7, 2022. You can apply for a Deserve EDU card online, without impacting your credit score. Get 1% cash back right away. This post will tackle several strategies to obtain a credit card in the US for such people, please pass it along to those who might benefit from it. High international transaction fees, for example, might push up your costs when studying overseas. Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases. As a new member, you can earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days. For the most part this applies to people with certain immigration status, such as International Students, or people on certain types of visa. Cash Back on all your purchases. Credit Score. The multi-currency Visa Mastercard from Wise is linked to a borderless foreign currency account. The trouble with ITIN isnt that the 9 digit number doesnt fit into the form, nor is it that it doesnt comply with The Patriot Act, it is simply that some banks accept them and others do not. The Petal 2 is an impressive starter credit card for people with no credit and no Social Security number. The Commerce Bank Webster University Rewards Visa Credit Card earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other purchases. Some links on this site are affiliate links and pay us a commission should you click them. The Valley Visa Signature College Real Rewards Credit Card earns 2,500 bonus points after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). If you are running cards through an ITIN most of the credit reporting agencies wont be tracking you in full. The Visa College Real Rewards Card doesn't charge an annual fee. This one, however, requires at least fair credit (a score of 580 or above) to qualify and an annual fee of $39. We hope this template helps you achieve your goals. Also, it is possible to acquire business credit cards using a combination of ITIN and EIN numbers. Individual Tax Identification Number (ITIN) from the IRS, a H4 Visa holder who was approved for a $7K line of credit, Optional Practical Training (OPT) (pre-completion or post-completion), Science, Technology, Engineering, and Mathematics (STEM) Optional Practical Training Extension (OPT). The Chase Freedom Student Credit Card offers $50 bonus (within the first 3 months from account opening) and $20 Good Standing Rewards (after each account anniversary for up to 5 years). The Journey Student Credit Card from Capital One could be one option. This means making prompt repayments, and avoiding maxing out the credit limits youre offered. Chase Freedom Student Credit Card. International Student Options. Apply for secured credit cards or secured loans (such as credit-builder loans) to . Our star ratings are unbiased and independent of our affiliates and advertisers. However, as an international student in the US - or if youre a US citizen planning on studying abroad - youll need to do some research to find cards which are suitable. Best for Bonus Rewards: Blue Cash Preferred Card from American Express. However, there are a few other costs youll need to think about - heres what you need to know. This means that being an authorized user affects your credit score, which makes this a great method if youre trying to build credit in the USas long as the primary cardholder uses their card responsibly. Youll get up to 3% cashback on purchases and theres no annual fee. Freeze your card at any time to protect your account. 2,500 bonus rewards points awarded after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. The Chase Freedom Student Credit Card has no annual fee. Cash and Travel Rewards cards. F-1 students may engage in three types of off-campus employment, after they have been studying for one academic year. If youre struggling to get an ITIN, there are credit cards you can look into that accept other documentation, such as your visa, passport, or certain school documents. However, without an SSN, you need to apply at a bank location and provide two forms of ID. That's why we heavily weighted the following factors when determining the best credit cards without SSN requirements: These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Her work covers credit repair, the credit scoring industry, budgeting, and debt. While studying abroad, it is helpful to have a credit card . You must also be over 18 to apply.. Best for International Students: Deserve EDU Mastercard for Students. Getting a credit card can be a good way to build credit history and manage your money day to day. Here is the link to the process to apply for a SSN as an International Student once you have found qualifying employment. The Zolve Azpire Credit Builder Card is the best US credit card without a social security . After that, the variable APR is 15.24% - 27.24%. Do you know any credit cards - 2736181 You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Pay on time to boost your Cash Back to a total of 1.25% for that month. Balance transfers and cash advances are not available. The Card offers 1% Cash Back on all other purchases. New data point. The Chase Freedom Student Card charges 3% on every purchase you make outside of the country. Youll always be able to tell what youre clicking. However, reports state that there is a degree of credit reporting occuring even on ITIN based cards, and if/when you go onto receive a SSN you can apply it to that account and see instant credit score increases based upon partial tracking. The card's APR for purchases: 23.74% - 33.24% (Variable). Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. It's common to need a social security number or taxpayer ID number, but some issuers may accept an international passport from an international student applying for a credit card. If you don't have an ITIN or SSN, you may be able to apply using other identifying documents, such as your passport. Bank of America Cash & Travel Rewards Cards. 01 02 03 04. Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value). An ITIN is not as simple to get as it used to be, Ive been looking in to this for family members recently granted they do not have US visas. It is most suitable for international students who have just arrived in the United States. Compare; Rewards; Cash Back; Balance Transfer; 0% APR; No Annual Fee; Low Interest; In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. You get 1.5% cash back on all purchases, without caps, category limits, or point expiration. Its specifically aimed at international students, and offers: Additionally, this card has a relatively low APR, meaning interest charges wont be as pricey as they can be on many credit cards for borrowers without SSNs. Cash Back on all your purchases. Before we try to get a card without a SSN, let's try to get a SSN! 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. Petal 2 "Cash Back, No Fees" Visa Limited offer You may apply for the Deserve EDU card and Bank of America's . Need a credit card for your day to day spending? If they were to apply to campus based roles that have a salary, they can take the offer of employment and use it as eligibility for a SSN application. The Chase Freedom Student Credit Card offers $50 bonus (within the first 3 months from account opening) and $20 Good Standing Rewards (after each account anniversary for up to 5 years). You can apply for an Individual Tax Identification Number (ITIN) from the IRS, this number works in a similar manner to the SSN in that it is a unique identifier, and has the same number of characters as a SSN this means it can fit into forms and applications, when accepted. Plus, get a 25% bonus on base Cash Back rewards after six consecutive on-time payments. The Sallie Mae Ignite Mastercard doesn't charge an annual fee. This amount tends to revolve around the $10,000 level, but is bank specific. From my personal experience, it is best to talk directly with the Private banking arms of such banks starting at Citigold and Chase Private Client reps and upwards, you will get better answers from these people. Just follow these four steps: If you dont have an SSN, you can still apply for a credit card by using your taxpayer identification number (ITIN). Doesnt accept the registration. 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. 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. Bank of America Cash Rewards. You can apply for a Deserve EDU card online, without impacting your credit score. Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. The Chase Freedom Student Credit Card has no annual fee. Thats almost impossible. The Petal 1 "No Annual Fee" Visa Card earns 2% - 10% Cash Back from select merchants. Best for Building Credit: Bank of America Customized Cash Rewards Secured Credit Card. Here are a couple to look at. Call (888) 859-0871 now. 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 Webster University Rewards Visa doesn't charge an annual fee. 1.5x Points for every dollar you spend on eligible purchases. The Card has a 0% Intro APR period for the first 12 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. She is an international student and doesn't have SSN yet. I am often asked how people can apply for credit cards with a Social Security Number (SSN). Your credit will then be equal to the deposit amount - and could be increased as you build a credit history over time. Cash Back after making 12 on-time monthly payments. Some student credit cards let you go through the application process even if you don't have an SSN, as long as you have an ITIN. The Laurel Road Student Loan Cashback Credit Card is a cash back card that can help you pay off your student loans. It is part of a sweeping program to make the US more attractive for long term highly skilled workers. 1. Even if you dont have an SSN, you may still have a credit report, which you can get a free copy of every 12 months from AnnualCreditReport.com. The late payment is up to $25, while the returned payment is up to $37. The Card's APR: 28.49% Variable. We challenge inaccurate negative items with the bureaus and your creditors. Best for no fees: Petal 2 Visa Credit Card. The Comerica Bank Visa College Real Rewards Credit Card earns 2,500 bonus rewards points awarded after first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). $50 Cash Back reward (after you spend $250 in the first 3 months); 25% bonus on base Cash Back rewards (after six consecutive on-time payments); 3% Cash Back on streaming, cable and ridesharing services; $300 in Cash Back rewards towards any eligible student loan (after you spend $3,000 in the first 90 days); 2% Cash Back towards eligible student loans; 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings; 1.5x points for every dollar you spend on eligible purchases; No cap or limit on the points you can earn, plus you have five years to redeem points for rewards. The Visa Signature College Real Rewards Card offers an introductory 0% APR for the first 6 billing cycles on purchases and balance transfers (within 186 days from account opening), then 16.74% - 26.74% Variable. Finish your doctorate in some Middle Eastern or African country while volunteering? Thats because every country has its own laws that regulate credit reporting. Yes, international students may qualify to apply for credit cards, although their options are typically limited compared to those of U.S. citizens. Petal 2 reports to all 3 major credit bureaus; No Social Security Number required for international students to apply. My wife has ITIN but no SSN. This is completely secure and wont hurt your credit score. 5. Earn up to 1.5% when you pay on time. driver license, utility bill, proof of income, etc.) Bank of America Travel Rewards for Students: Best credit card for US students abroad. Lets start out with International Students. The Chase Freedom Student Card charges 3% on every purchase you make outside of the country. Best Credit Cards For International Students in the USA without SSN (2022) Discover it. Compare; Rewards; Cash Back; Balance Transfer; 0% APR; No Annual Fee; Low Interest; Thats the only way that we make money. No intro APR on purchases and balance transfer. Credit cards such as Deserve EDU Mastercard, Bank of America student cards, and Oportun Visa Credit Cards are good options for international students without an SSN. Think a generous signup bonus, flexible redemption options, free employee cards, and several travel benefits. Alternatives to Citibank international student credit cards. If your credit card application is successful, congratulations! One such type is the H4 Visa, for spouses of H1-B visas, a very common work visa in the US. Credit monitoring: Keep tabs on your credit with the Capital One CreditWise credit monitoring service, which . The Petal 1 Card has no annual fee. Similar to an ITIN, an EIN is issued by the IRS for tax purposes. Required fields are marked *. Even though there are options for international students to get a credit card without a Social Security number, establishing credit for the long-term in the U.S may require you to get an SSN or ITIN. credit cards for international students 3.1 Deserve Edu credit cards for international students. With a multi-currency Mastercard from Wise you can spend easily in the US and abroad, wherever you see the Visa symbol displayed. Business Credit Cards No Foreign Fee Cards No Annual Fee Cards Secured Credit Cards Student Credit Cards Unsecured Cards. The Card has a 0% introductory APR period for 6 billing cycles on purchases. You may have fewer options applying for a credit card with an ITIN or an alternative form of identification, such as your passport or a government-issued ID. No you need to spend 10K to get that, we never did. 0% Introductory APR for 6 months from date of account opening, 1.99% Introductory APR for 6 monthly billing cycles after account opening, 0% Introductory APR for the first 6 billing cycles. Freeze your card at any time to protect your account. There is no minimum to redeem for Cash Back. . The Card has a 0% introductory APR period for 6 months on purchases. These three types of employment are: M-1 students may engage in practical training only after they have completed their studies. The Card's APR is 22.49% (Variable APR). 1. They don't charge any annual fees and give a 1% cash-back on any purchase you make. Bank of America Travel Rewards credit card. Our pages feature links to our partners websites. After that, the variable APR is 15.24% - 27.24%. Heres the full text from USCIS: F-1 students may not work off-campus during the first academic year, but may accept on-campus employment subject to certain conditions and restrictions. She has a secured credit card though and building her credit since few months. Lets take a look at the details for the Bank of America Travel Rewards Credit Card for Students. Bear in mind that credit scores typically wont show up on your free credit reports. Build credit history with Journey Student Credit Card. You consent to our cookies if you continue to use this website. Earn up to 1.5% when you pay on time. We chose cards which were available for international students, with relatively low and transparent fees - and ideally with no annual charges. The Sallie Mae Ignite Mastercard Credit Card earns a $50 Cash Back reward after you spend $250 in the first 3 months. Meet the credit card issuer's requirements. This is inspite of my wife getting letters in the mail to apply for Discover card. Depending on your situation, the range of card options may be somewhat limited - and youll also need to check out the fees to make sure you get the best possible deal. The card has a relatively high purchase APR, making it expensive to carry a balance on. Historically, H4 visa holders have been restricted from employment, and as such were unable to apply for a SSN. Discover it Student Cash Back: Best credit . Can International Students Get a Credit Card? You don't need an SSN to apply, which makes this a popular choice for international students. There are various programs available for F-1 students to seek off-campus employment, after the first academic year. Best for international students studying in the U.S.: Deserve EDU Mastercard. The Laurel Road Student Loan Cashback Card earns 2% Cash Back towards eligible student loans and 1% Cash Back towards anything else. You can expect to hear back from them within approximately 7 weeks if your application went through successfully. Get 1% cash back right away. Wise US Inc is authorized to operate in most states. In addition, there is a 0% introductory APR period for 6 months on balance transfers made within 60 days of account opening. The Deserve EDU Card makes it easy for students to start building credit. He writes here on Travel and Finance related topics, and is always happy to help with specific questions in the comment section of this site, follow him on Twitter. Getting the right credit card lined up before you travel is a smart move. Fill in your information and we will securely pull your TransUnion credit report. One of the top international student cards in the US, the Discover it Student Cash Back card offers a variety of rewards, including for good grades, without many fees. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The links to our partners are always clearly marked. In addition to your identification information, your credit is another important requirement for applying for a credit card. Depending on the type of visa you're studying under, you may be able to secure a social security number or . Use one of the following three methods to apply for your ITIN: 2, After youve applied for your ITIN, all thats left to do is sit back and wait for a confirmation letter from the IRS. Pay on time to boost your Cash Back to a total of 1.25% for that month. Home Credit Cards Credit Cards without SSN. Thankfully, there are ways for people without an SSN to get credit cards. 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 3. This guide will take a look at credit cards which might suit international students arriving in the US, as well as US citizens headed off for a period of study abroad. Learn more about how we make money. The Card offers 1.5x points for every dollar you spend on eligible purchases. She previously managed a B2B website in the data privacy and digital compliance industry. Most U.S. banks require a Social Security number to issue a credit card to an international student, but Citibank does not . The best credit card for international students and immigrants is the Capital One Platinum Secured Credit Card, because it doesn't come with an annual fee and only requires an ITIN to apply. Therefore, if you are thinking to apply to a specific card issuer, such as Chase or Citi, it might be prudent to approach a banker in branch and discuss if the card might be approved with a relationship in place. You cant get a cash advance, or balance transfer facilities with this card option. Another way to get approved for a credit card without an SSN is to apply with a card issuer that also offers credit cards outside the United States. Yi-Jane Lee is a credit analyst who writes for FinanceJar. I called Discover appln agents 4 times now and they say that in order to apply for any Discover card, they need to have SSN, not ITIN. You can apply even if you have no credit history, Those who filed for bankruptcy may be rejected. When the poster asks if this is the norm, the first reply is thatBank of America, Citibank, Discover, Chase, AMEX and CapitalOne will issue to a ITIN. Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases. This site is journalistic in nature, The information contained within this blog from all writers is provided for informational purposes only and is not intended to substitute for obtaining professional financial advice. on all eligible purchases (your rate increases to 1.25% after 6 on-time payments, 1.5% after 12 on-time payments), on hotels and rental cars booked through Capital One Travel, Low cash advance and balance transfer fees, after you make at least $1,000 in purchases within the first 90 days after account opening, Capital One Platinum Secured Credit Card, Petal 2 "Cash Back, No Fees" Visa Credit Card, Bank of America Travel Rewards Credit Card, Best credit cards without SSN requirements. Citibank is one of the best options because it offers an easy process. Journey cardholders can earn cash back rewards and may be automatically considered for a credit line increase in as . Can I transfer my foreign credit history to my US credit report? Here are the best credit cards for international students in the USA. Qualities of Good Credit Card for Students. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need. Youll get 1% cash back with this card, and can get a higher credit line once you have made 5 payments on time. This listing focuses on cards which are most likely to work for students, to start your research. Rewards: You receive 1% cash back on everything you buy, which goes up to 1.25% when you make on-time payments. Here are the fees and charges youll want to consider when choosing this card. The Petal 1 "No Annual Fee" Visa Card does not charge an annual fee or fee for foreign transactions. Build your credit score by accessing credit and using it wisely. If you are a dependent spouse or on a student visa you are likely required to furnish the IRS with a tax return or can be claimed as a dependent on someones return, making an ITIN much simpler to obtain. The Laurel Road Student Loan Cashback Card doesn't charge an annual fee. Let us know what you think. The Deserve EDU Card makes it easy for students to start building credit. Trip Cancellation/Interruption Insurance. American Express and Citibank are two such . If you travel outside of the United States, pay attention to foreign transaction fees. The release is here. This website uses cookies to personalize content and ads and to analyze traffic. Getting an international student credit card in the USA, Credit card tips and advice for international students, Learn more about secured credit cards with our helpful guide. If you can score the Capital One QuicksilverOne credit card, though, youll enjoy generous rewards and signature Capital One benefits. This is common among credit cards for bad credit and no credit. Act as an authorized user on an existing US credit account. In some cases, you may be eligible for preapproval and avoid hurting your credit score. Get a credit improvement plan that works for you with 1 phone call. Credit cards such as Deserve EDU Mastercard, Bank of America student cards, and Oportun Visa Credit Cards are good options for international students without an SSN. It can be hard to find the right card option if youre an international student, so some research is essential. Getting a taxpayer ID number (ITIN) through the IRS, for example, might be a smart step to help you get your credit card sorted. If you still struggle to get a credit card without an SSN, a prepaid card may be a good last resort that can still give you the convenience of making purchases with a small plastic card instead of cash. Capital One offers a Journey Student Credit Card that is a great option for international students. Capital One - Journey Student Credit Card, Deserve EDU Cardholder Agreement November 2019 Deserve EDU Cardholder Agreement for Cards issued by Celtic Bank Deserve ha, Bank of America Travel Rewards Credit Card for Students, Terms and Conditions for Bank of America Travel Rewards for Students, American Express - Terms, conditions and disclosures - Blue Cash Everyday, Credit One - Disclosures, terms and conditions for Credit One Bank's credit cards, How to pay back HECS student debt from overseas, Studying Abroad With Erasmus - Everything You Need To Know, Funding your studies abroad as a UK Student, 8 Things To Consider Before Studying In The EU, Student discounts you don't want to miss out on. All you have to do is wait until you receive your new card in the mail and follow your issuers instructions for how to activate your credit card. The Capital One Platinum Secured credit card is a great option for borrowers with poor credit and no Social Security number. The Ink Business Preferred Credit Card requires good to excellent credit, but you get perks and rewards worthy of prime customers. You'll need to take this information to . Here we will review a few of the best credit card options for international students - as well as some alternatives, like the multi-currency Mastercard from Wise. And rest easy knowing your data is safe and encrypted. Hey guys, My friend just arrived at the states. To apply for an EIN for your business, youll likely need to get an ITIN (or SSN) first, especially if youre applying online. Make sure to check if your credit is in good standing before applying for a card. I perused the forums over at Myfico, and this thread talks about a H4 Visa holder who was approved for a $7K line of credit on a Citi ThankYou card. The Journey Student Rewards from Capital One is a much better option for international students as applicants can use an Individual taxpayer Identification Number (ITIN) instead of an SSN. Youll likely need to pay an annual fee of up to $99.. You dont need an SSN to apply, which makes this a popular choice for international students. They do require an ITIN if you don't have an SSN. It is not intended to amount to advice on which you should rely. The Journey Student Card has no annual fee or foreign transaction fees. Youll receive your own credit card and have access to the same line of credit as the primary cardholder. Plus, get a 25% bonus on base Cash Back rewards after six consecutive on-time payments. Excellent Credit Good Credit Fair Credit Bad Credit No Credit. Your email address will not be published. If all of the methods above fail, you have two remaining options: If youre struggling to get a credit card without an SSN, a prepaid card might be a good alternative. However, you will have a limited number of options. Trip Cancellation/Interruption Insurance. I also learned that my favorite everyday card, the Fidelity Amex will issue to ITINs. Dont want to wait? With the Deserve EDU card, theres no annual fee and you can get 1% cashback on purchases. Apply Now. One thing to note is that the Petal 2 is one of two Petal credit cards. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. The Journey Student Card has no annual fee or foreign transaction fees. Plus 2% - 10% bonus cash back at select merchants. We know that taking financial advice from us requires a lot of trust on your part. Deserve Edu Card: Best credit card for international students without an SSN. Lets take a look at some popular international student credit cards, including credit cards without SSN for international students. e will give you advice for how you can improve your credit. Further research shows that banks are more inclined to approve ITIN applications for customers with a certain relationship in place. The Petal 1 Card has no annual fee. Our featured pick for best credit card for international students with rewards in the United States: Discover it Student Cash Back. Let's . Importance of Credit Score. Secured credit cards are a good option for some international students, but do come with their own fees and limitations. To check your credit score, you can try looking it the following three places: If you think your credit card application may get denied because your credit report has an insufficient credit history or you have a bad credit score, then it may be worthwhile to spend some time building your credit beforehand. F1 (Academic) and M1 (Vocational) students are not able to work Off Campus in year 1, but they are able to work on campus. However, if they all fail you can try the following: Matt is passionate about making smart financial decisions to empower a fantastic life. American Express works with Nova Credit, which can check your credit history from certain countries (Canada, the UK, Mexico, Australia, India, Brazil, the Dominican Republic, Nigeria, and Kenya) to see if you qualify. For example, the Capital One Platinum Secured card gives you: Along with its credit-building features, the Capital One Platinum Secured has no annual fee or foreign transaction fees. 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