Here's an explanation for how we make money. This one is very popular because it has zero dollar annual fees, no foreign transaction fees, get to 5% cash back on rotating categories every quarter up to $2500 in purchases and also 1% cashback on everything else. WebAccelerate 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. Its a great pick for international students who are frequent travelers. With responsible use, students can now earn cash back rewards today while building credit for tomorrow. Bank of America Cash and Travel Rewards Cards 2. Bankrate.com is an independent, advertising-supported publisher and comparison service. Just remember that once you do get an SSN you do link your credit card to it so that your history gets added. Which certificate of deposit account is best? Every situation is different, so the credit cards available vary from student to studentand issuer to issuerbased on a variety of factors. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. Are you an international student looking to get your first credit card in the US? As an international student you need to make sure you have access to your account information whether youre across town in class or across the world on vacation. See if you prequalify with no impact to your credit score in minutes. They also have a Global Transfer service which makes it easier for you to move money back and forth between international accounts. After all, owning a credit card is not just a luxury, its also a responsibility. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The card offers cash back rewards to cardholders and incentivizes international student credit cardholders to make on-time payments with an offer of extra cashback. How to Get a Credit Card without a Social Security Number? As long as the credit card issuer accepts ITINs as well as Social Security Numbers (SSNs), you can apply for a credit card from a U.S. card issuer and begin to improve your credit or build new credit in the United States as a student. Citibank 3. As an international student, youre probably busy immersing yourself in all America has to offer. It is even tailored with perks that would be attractive to the average students, such as travel and cashback rewards. Additionally, you can set up direct debit to ensure that your bills and expenses are always paid on time. Bank of America Cash & Travel Rewards Cards, 3. If you need to learn more about getting your finances in order as an international student make sure you check out our financing your education section. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. It helps if you can prove this with a card from your home country, or if you apply for a credit card with a bank where you already have a registered account. Read through the various methods that international students like you can start to build credit, then get started today on this process. How to get a credit card as an international student Learn the requirements to get a U.S. credit card Its common to need a social security number or taxpayer ID Those who work for the government or qualifying nonprofits may be eligible to have all of their federal student loan debt forgiven through Apple card does not have good rewards for air tickets though, but at least you'll get the number right away if you can't get any of the premium travel cards. This is another effective way to demonstrate your financial responsibility, and help keep your credit score strong. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. credit cards for people with less-than-perfect credit. The good news is that there are plenty of credit cards that have no foreign transaction fees. Some credit card issuers, like Capital One and Discover, waive foreign transaction fees on all cards. Credit cards that waive international fees often come with other travel benefits, too. You have entered an incorrect email address! The best part about this card in my opinion is that they match your entire cash back after the first year. Note that Naturally, you have a higher chance to succeed in your application if you are employed. However, you still need to prove yourself as creditworthy, so here are a few more tips: Though most credit card applications will require an SSN, there are different ways you can gain access to credit without one. It has a $0 annual fee & foreign transaction fees. Is it good to invest in US stocks from India? You shall have to do research and compare the rates of different card issuers. Freedom Student has a $0 annual fee and gives a $20 bonus after each account anniversary, for up to five years, to cardholders who keep the account in good standing. One of the main points that banks can ask for your Social Security Number (SSN) is so they can check up on your credit history. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. If thats not an option for you, weve compiled pointers on getting an international student credit card in the US, Canada, Australia, and the UK. This is reason why I havent spoken about interest at all in this article. They need to know that they can trust you before they authorize any type of credit for anything. With the Deserve Edu Mastercard you can count on the following: If you dont think a credit card is for you then you can start building credit directly through a bank with a debit or savings account. Of course, its best to obtain a supplementary card under your parents from American Express, MasterCard, or an international bank back home. Current show. It offers 1% cash back on every purchase, with the opportunity to earn even more if you pay your bill on time for that month. After $500 of purchases in your first 3 billing cycles, there is also cell phone insurance up to $600 for a stolen or damaged phone. Schools in the USA can be expensive, and international students dont have access to the same kind of U.S. federal financial aid as their American counterparts. Bank of America has two types of credit cards that you can easily apply to without a Social Security Number (SSN) i.e. Thankfully, anyone with an F-1, M-1, or J-1 student visa can legally work in the US, which means you can get an SSN even if working part-time or on campus. The security deposit number is the same as your credit availability so the more you deposit the more credit you have it. You can then manually pay the difference of what youve spent on the card. Applying for a credit card in the U.S. can be daunting. So its a great option for your first few months in the states. However, keep in mind that a joint card means joint responsibility. Your best bet would be to obtain a supplementary card under a parent, from an international bank. Find students credit cards from Mastercard. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. So if you have an aunt or a brother or someone else that really trusts you already living in the US then this can be an option. Journey cardholders can earn cash back rewards and may be automatically considered for a credit line increase in as little as six months. This way the banks have something to fall back on in case payment wont be made. Deserve Edu Mastercard For Students. Not having a credit card can make it difficult, if not impossible to do certain things like buy things online and rent a car. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At the same time, Bank of America, Discover, Capital One, Deserve, and Citibank all offer international student credit card options with varying perks. Some issuers may accept an Individual Taxpayer Identification number (ITIN), which can be easier for international students to obtain. You can easily increase your credit score by making timely payments consistently. Annual Fee: 0. Apply Now 01 02 03 04 Get your loan offers *All fields are mandatory x Your Name* Your Email* Your Phone* City you're from* For this type of card, the student must first deposit a certain amount of money that can be used as a line of credit. A FICO score is used to predict how reliable of a borrower you will be in terms of paying back the borrowed funds. You will need a Social Security Number (SSN) to apply for a credit card with most American banks. You can buy anything within the limit and pay later. However, its not an impossible feat. Here are the best credit cards for international students in the USA. Deserve Edu No international transaction fees on purchases abroad so you can travel with confidence. International students can apply for a secured credit card. While some banks will work with undocumented immigrants to grant them access to a credit card, you can increase your chances of getting a card by obtaining a drivers license or securing other forms of identification like an SSN or a passport. If you cant get a Social Security number, there are still options. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Settle your payments on time, keep to a budget, and only use your card when necessary. You can earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target), with 1% on all other purchases. WebAbout Press Copyright Contact us Creators Advertise Developers Terms Press Copyright Contact us Creators Advertise Developers Terms The card offers unlimited points on purchases, a Source: Pexels. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. If you have a credit card that was issued in your home country and youre able to use it in the U.S., thats fine. Qualities of Good Credit Card for Students. This may allow you to apply for loans and financing and improve your In short, yes, though there are notable factors that go into how international students get credit cards. Can International Students Get an SSN? However, plenty of credit cards for every international student also offer unlimited, flat-rate cash back rewards for all spending, making it easy to reap the benefits of everyday purchases. Capital One Journey Student Credit Card. Here youll have to put down a security deposit of $200 and you get a corresponding credit limit. Try opening both a checking and a saving account. Some banks even require a minimum income to apply for an international student credit card. Bankrate.com is an independent, advertising-supported publisher and comparison service. Establishing credit during your time in the US is important and there are a number of ways to accomplish this. We hope you found this helpful. Holland America Line credit card: Great cruise rewardsJetBlue Business credit card: For corporate travelAAdvantage Aviator Red World Elite Mastercard: The Choice Privileges Visa card: Best for Choice Privileges rewardsAAdvantage Aviator Red World Elite Mastercard: Earn airline miles Therefore, you will not need to pay a security deposit or prove your income history. Well, the good news is banks in major education hubs around the world have options and packages catered to international students just like you. Cards with travel rewards and no foreign transaction fees could be a good choice. You can earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. You would need to prove your current visa status and banking history, so you must have an Australian bank account to apply. This is one of the main factors in increasing the credit score. Hey everyone welcomes back to our website where we will talk about Best Credit Cards For International Students in the USA without SSN (2022). Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Plus, as a Capital One card, it also features security alerts, a Card Lock feature in case your card is lost or stolen and no foreign transaction feesgreat for making purchases if youre on the go in another country. Your credit score basically sums up how much of a financial risk you would be if you were to be loaned money. WebCan international students get credit cards? Your credit history is attached to your name, birthday, and address meaning international students can still apply for credit cards for sure. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. It should be easy to get approved for many international students who do not have a Social Security Number (SSN) or credit history or even an income for that matter. Thats because when If you dont want to open your own credit card or are finding it difficult to do so, another option is to become an authorized user on a family card. Are international students eligible for credit cards? There are avenues available, and some of the most common include getting a Social Security number (SSN), an individual taxpayer identification number (ITIN) or becoming an authorized user on someone elses account. So having a card that you can swipe without paying any additional fees is very helpful. WebMost credit card companies will require you to get an SSN to open a credit card account. If you are an international student attending college in the United States, earning approval for a credit card can help you establish a US credit score. Thats okay so its important to first know what a good student credit card is. Plus, you dont need a social security number. Additionally, you get a $50 welcome bonus for signing up with this card. WebIf you use iphone, Apple card is another one that I know will give you instant access to the card number after approval. The American Midwest A Good Place To Study In. Note that some banks offer a secured credit card to begin, which requires you to deposit the amount of money you will use as a credit line. Once you prove that you are reliable with a secure card you can upgrade that to a regular card and you get your deposit back. Though credit cards are typically for working adults, they are important for anyone living overseas. Using a credit card responsibly is a simple way to build and maintain a good credit score. Are Professional MS Admission Counseling Services Worth It? At the same time, Bank of America, Discover, Capital One, Deserve, and Citibank all offer international student credit card options with varying perks. At Bankrate we strive to help you make smarter financial decisions. WebTo check your credit score as an international student in America, you need to have a credit history of at least 6 months. What to do when you lose your 401(k) match, How to apply for a credit card with an ITIN number. A credit score is a rating given to your financial background when assessed by a lender. WebAbout Press Copyright Contact us Creators Advertise Developers Terms Press Copyright Contact us Creators Advertise Developers Terms So in this article, I will be talking about my top five credit card recommendations for beginners. Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app. You may also want to start building credit if you have long-term plans in the U.S. APR: 18.9% per annum (Variables) Intro Rate: 0% for the first 56 days. Can international students get a Credit Card in the US? Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention and Master Rental. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate. California Consumer Financial Privacy Notice. Yes but they may have a harder time than the average U.S. student. Barclaycard accepts some cases where students have no Social Security Number (SSN). Upon approval, card activation and use, you'll receive $30 and so will your referral. But between studying, exploring and taking weekend road trips, its important to consider and plan your finances, too. International students can open a U.S. bank account, sign up for a prepaid card or become an authorized user on someone elses card. Bankrates editorial team writes on behalf of YOU the reader. You will also be screened, like any other credit card applicant, to make sure you have a regular income and can afford your card payments. WebAs long as its used responsibly, a pupil card can help kickstart your monetary lifestyle long earlier than you graduate. To make sure youre able to manage your bank account and make payments toward your bills as needed, find a bank that makes banking easy. WebCapital One SavorOne Student Cash Rewards Credit Card. Best student credit card: BMO CashBack Mastercard* for students: 5% cash back for the first 3 months : Best student credit card for Air Miles collectors: BMO Air Miles Mastercard* for students: Up to 800 bonus miles : Best premium student credit card: Signature RBC Rewards Visa: 7,000 bonus points Our vision is to be the company that best recognizes and serves the needs of international students around the world. Consistent timely payments are the number one contributing factor to your credit score. This is even more critical when you land in the USA as an international student. India Partner: Next Door Consulting, Kolkata 700032, India, Benefits of having a credit card as a student. If you make a thousand dollars in purchases during your first 90 days then you get a nice $200 bonus. So can an international student get a credit card? What are index funds and how do they work? Foreign Transaction Fee: Not Available. This one is unique because you do not require a Social Security Number. Be sure to find a card that fits your specific needs. When youre applying to borrow money (like through a loan or credit card) the lender will most likely look at your credit score to see whether you are an eligible candidate. Additionally, if you are sensible with your finances, you are losing out by not establishing your credit history that reflects your positive financial behavior. One of the easiest ways to build credit as a new international student inside the US is with a credit card. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited to help people make good decisions with their money. 5. It satisfies all the requirements that I laid out in the beginning and overall I had a great experience that so highly recommends with that. However, just like a credit card, the store will charge you if you dont make the payments on time. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Get insider access to our best financial tools and content. So for example, if you earned $300 in cash back then Discover will give you another $300 at the end of your one. If you dont have a U.S. credit report and credit score, its more difficult for them to see if youre qualified. These five factors are: Credit building may not seem like a top priority when you first arrive in the US, but the sooner you start establishing credit the better. Generally, only those who are U.S. citizens or authorized to work in the U.S. can get an SSN. It allows you to build a positive credit history before you get your own credit card. Public Service Loan Forgiveness. Getting a credit card, a bank loan, or an apartment can become complicated without a Social Security Number (SSN) a nine-digit number that is only assigned to American residents and citizens by the US Govt. Can undocumented immigrants apply for a credit card? However, it is possible to find companies, like Deserve, that will allow you to open a credit card as an international student. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. You also get 2% cash back on grocery stores and wholesale clubs up to $2500 and 1% back on everything else. The best way to get a credit card that can be used internationally is to get one from a bank in In short, yes, though there are notable factors that go into how international students get credit cards. Here are some tips to check your credit score thereafter: Step 1: Annual Credit Report.com - Home Page Log in to www.annualcreditreport.com. Several Australian banks offer international student credit cards to those enrolled full-time in TAFE or university. Citibank is one of the best options because it offers an easy process. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Since you are likely on a budget during your student preserving your funds for other important things like train and food should be your first priority. Another option is to be added as an authorised user on somebody elses account. So in the last couple of weeks, Ive been getting comments and messages on Instagram asking me what should be my first credit card in the USA. The Challenges International Students Face Getting a Credit Card There are a number of credit cards for college students. You will want to start by seeing if the bank you work with in your home country also has a US branch near you. Just make sure to call the credit card company and ensure that they report authorised user activity to all the credit bureaus. There are a couple of ways that you can build credit by using a bank account. Another good option is the Deserve Edu Mastercard. Benefits of Attending Biotech-Bioinformatics Bootcamp while in High School. This is an additional $20 yearly for a GPA of 3.0 or above. Because of that, it can be harder to get approved especially as an international student. Regularly transferring money to your savings account, or keeping your savings account healthy can show that you are responsible with your finances, and are thinking long-term. But if the same thing happens with a debit card then its much harder to get your own money back. Deserve Mastercard is issued by Celtic Bank, Member FDIC. This tells the issuer youre serious about paying back what you borrow. International student loans are a type of private loan available to the nearly one million foreign students studying in the U.S. Journey may be a good fit for U.S. students, too. I guess this is expected because late summer fall is when a lot of international students move over here for their undergraduate and graduate programs. Choosing a credit card as an international student in the U.S. all comes down to finding the best one for you. By the way, if I have to pick out of the 5 cards that I listed earlier. We strive to provide students world-class resources to help them investigate and pursue an international education, through relevant content, custom online tools and engaging websites that offer only best in class products and services. Here well share with you what it means to build credit, why you should build credit as an international student and how you can start building your credit as an international student. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. The Journey Student Credit Card from Capital One could be one option. Some banks dont even require an SSN to be added to the authorised user. Best Credit Cards For International Students in the USA without SSN (2022) Discover it. Additionally, although theyre usually easy to be approve for, store credit cards typically do not provide you with a credit limit as high as a traditional credit card can- this means if you make minor purchases and dont have a very high limit, your borrowed to available credit ratio could hurt your credit. Any credit impact it has (negative or positive) will be shared. As long as the credit card issuer accepts Individual Taxpayer Identification Numbers (ITIN) as a substitute for Social Security numbers, international students are also eligible to apply for credit cards. Store credit cards are credit cards youre able to use within that specific store. In this blog, we take you step-by-step on how to apply for a Credit Card as an international student in the US. You have money questions. It may take some work, but you can access credit cards as an international student or undocumented immigrant. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. However, typically if an individual does not have credit history that is at least six months old, they will not have a FICO score. How much should you contribute to your 401(k)? The Wells Fargo Secured Credit Card requires a min. Current show. We maintain a firewall between our advertisers and our editorial team. Fair Isaac Corporation created a FICO score, which is the most common measurement used to identify your credit rating inside the US. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Otherwise, look for limited credit cards targeted at university students. Having access to credit is important for small conveniences like making purchases when cash is not always handy, and it can be a key step in establishing yourself in the U.S. In this post, we will go deep into the best credit card for international students in the USA. HSBC Student Credit Card. Its one of the best picks for everyday purchases. Using alternate methods of identification and other hacks, international students can get a credit card. As an international student applying for a credit card, you may need different application materials, including your student visa, ITIN and unexpired identification. Many students reported getting accepted for this card even without an SSN. All you need is a passport, a US bank account, and some other basic information and youre good to go. It also offers fraud protection. If you havent heard of the term credit score, its one that you will want to become familiar with during your time as an international student in the US. If you are renting a property on your own or with housemates you will have to pay utility bills gas, electric, phone, internet etc. Referral bonuses are unlimited! Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar. The crown for me definitely has to go to the Discover it card. When trying to build your credit there are five key factors you need to know about that can impact your score (usually your FICO score, which most lenders refer to). Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), with 1% on all other purchases, Limited Time Offer: Earn $100 when you spend $100 in the first three months, Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges, Enjoy no annual fee, foreign transaction fees, or hidden fees, Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen, Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card, Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal, Build your credit with responsible card use, Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you, Earn unlimited 1.5% cash back on every purchase, every day, In the U.S. call 1.800.MasterCard (1.800.627.8372). The offers that appear on this site are from companies that compensate us. WebIf you are an international student attending college in the United States, earning approval for a credit card can help you establish a US credit score. Although having a co-signer can help you obtain the funds, it can also complicate the lending process and requires you to rely on the other people involved. Similar to international students, these individuals can use proof of employment or an ITIN to apply if they find a bank that is willing to work with them. When applying for a credit card, whether youre an international student or not, most issuers will check an applicants credit history. Learn more about FDIC insurance coverage. 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. For example, do they offer a mobile app? Although there are competitor rating systems, this is the one youre most likely to see during your time as an international student. Plus, you could get discounts, rewards, and rebates. Cash and Travel Rewards cards. If you dont have one yet, you may be able to use your student visa to help you get a Social Security number. In the long run, you will need credit history to prove that you are a reliable borrower. If youve not managed to, there are still other options. This could be gas, online shopping, drug store, home improvement, dining or travel. For specific advice about your unique circumstances, consider talking with a qualified professional. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. There are many benefits of having a credit card to use while youre an international student. Here are a few of those benefits: You can build good credit: Your credit history will affect your ability to obtain loans for large purchases in the future. If you can build good credit now, youll be golden down the road if for example, you buy a car. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. We are an independent, advertising-supported comparison service. The benefits of credit cards are important nowadays, and some points are below: Its difficult to determine what a good rate is. And a credit card can help when you use it responsibly. But you may need to get authorization and have a job lined up firsta job at your school or a part-time job may be enough. What you do is make sure to pay off the balance in full every month. Most applications will also require an SSN, though some issuers will accept an ITIN or even a visa. One way to start building? You can receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $69). If youre not paying in one lump sum, set up monthly transfers from your bank toward your rent, expenses and utilities to ensure they are always paid on time. There is a limited-time offer i.e. How International Students Can Get A Credit Card - KVSP Power 103.5 #Power103.5 #KVSP . Without good credit history when applying for a loan or a mortgage, it is likely you will either need to pay an additional fee upfront to secure what youre trying to obtain, or you will need someone to co-sign with you (usually your co-signer must be a US citizen). At Bankrate, we take the accuracy of our content seriously. You can usually demonstrate your ability to repay by securing employment, such as a part-time job on campus. So heres an overview of questions you may haveand some things you can do to apply for a credit card as an international student. A strong credit history shows that you are a reliable borrower which qualifies you for a lower interest rate. You can enjoy peace of mind with $0 Fraud Liability so that you wont be responsible for unauthorized charges & there is no annual fee, foreign transaction fees, or hidden fees. It should have zero dollar annual fees. Understanding how to get a credit card can already be overwhelming, and the process can seem even more daunting as an international student. There are plenty of myths and misconceptions international students may have about credit. International students can open a US bank account, sign up for a prepaid card, or become an authorized user on someone elses card. Additionally, there is a $0fee on foreign transactions. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. If you prefer to dine out with friends, stream Netflix or Amazon Prime, and go to concerts, then students will get the most rewards for their spending. Deserve provides international students like you with the opportunity to have a credit card, even if you don't have a social security number or credit history. The Chase Freedom Student credit card is a decent credit card for students who have a limited credit score. For example, the CIBC card encourages you to build your credit history while youre studying. Your student adviser or your schools international student services office may be able to help. American Express 6. As of 2020-2021, the average credit card interest rate was 21.59% in the US. But you might lack a key variable needed to qualify for most credit cards: an established credit history. Our featured pick for best credit card for international students with rewards in the United States: Discover it Student Cash Back. The Deserve Edu Credit Card doesnt require any deposit or annual fees. So the sooner you start building credit the better and a credit card is the easiest way to do this. One of the most essential benefits of a credit card is you can convert the total amount of your purchases into low-cost EMIs to enable you to repay them easily over a period of time. Credit history plays a crucial role in buying a house, buying a car, renting an apartment or even just taking a personal loan. This is one of the few credit cards international students may get with a sign-up bonus, which is a pretty big one. know about your credit and borrowing history, student visas may qualify for a Social Security number, individual taxpayer identification number, Journey Student Credit Card from Capital One, A secured card looks and functions much like a traditional credit card, credit cards designed with students in mind. (this will not apply when using student accommodation but you will need to apply for your own cell phone contract) so why not build credit while doing it? Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. You can also increase your credit limit with them after 5 on-time payments. If you are a student then you are also eligible for a good great reward. The most difficult part of credit building is that you do not build just one solid credit score, instead you have several that can change depending on your spending and saving habits. Both of these cards can allow you to apply even if you dont have a credit history. MasterCard is an Equal Opportunity Employer. The Montrae Tisdale Show 9:00 am 11:00 am. Hows that for the best of all worlds? 2022 Bankrate, LLC. They often offer you rewards such as discounts and early notifications on promotions. 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