Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which Nova Credit receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Nova Credit does not include all card companies or all card offers available in the marketplace. Show
Figuring out which is the best credit card for international students in the US can be tricky. To help, we compared student credit cards and found several picks that could be the best credit cards for international students:
A great American Express credit card for international students from Australia, Canada, India, Mexico and the UKAmerican Express doesn’t 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. However, students with existing financial history from abroad may be eligible for an American Express card. Loading... Pros:
Terms apply Cons:
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. When clicking this, you may be able to qualify for the card using your credit history from Canada, the UK, Australia, India or Mexico. No need to have built U.S. credit to apply! Our featured pick as the best credit card for students who don’t have credit from abroad to use: Deserve® Edu Mastercard for StudentsThe Deserve® Edu Mastercard for Students was created specifically for a first credit card for international students, although US citizens and permanent residents who are students can also qualify for the card. It may be an especially good option for students who don’t have authorization to work in the US and can’t get a Social Security number (SSN), and who don’t qualify for an Individual Taxpayer Identification Number (ITIN), although you will need a US bank account. Loading...
Cons:
Our featured pick for best credit card for international students with rewards in the United States: Discover it® Student Cash BackOne 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. However, Discover requires an SSN from international student credit card applicants. Pros:
Cons:
Put your international credit score to work in the United StatesOur featured pick for best credit card for international students who are frequent travelers: Bank of America® Travel Rewards Credit Card for StudentsThe Bank of America® Travel Rewards Credit Card for Students offers a large intro points bonus, good flat-rate rewards on every purchase, and extra rewards for Bank of America customers who have a checking or savings account. 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. Pros:
Cons:
Our featured pick for best credit card for international students for everyday purchases: Citi Rewards+SM Student CardIf you expect to use your new international student credit card for everyday purchases, the Citi Rewards+SM Student Card’s rewards program could be especially appealing. The points you receive from purchases get rounded up to the nearest 10 points. For example, a $2 coffee gives you 10 points, while an $11 lunch turns into 20 points. You may be able to apply for using an ITIN or passport at a Citi branch. Pros:
Cons:
Our featured pick as best credit card for international students at motivating on-time payments: Journey® Student Rewards from Capital One®The Journey® Student Rewards from Capital One® offers cash back rewards to cardholders, and incentivizes international student credit cardholders to make on-time payments with an offer of extra cash back. You can apply using an ITIN or SSN. Pros:
Cons:
Additional features to considerAs you compare credit cards for international students, also review the cardholder benefits from the card issuer (e.g., Deserve, Bank of America, Citi, and Capital One) and card network (e.g., Visa, Mastercard, American Express, or Discover). The benefits can vary depending on the credit card, even when you’re comparing two cards from the same card issuer or that are part of the same network, but they may include:
Additionally, some international student credit cards offer a 0% intro APR on purchases. When you open a card with a 0% purchase APR offer, your purchases won’t accrue interest during the intro period as long as you make at least the minimum monthly payments. After the end of the introductory period, the standard APR will apply to your card’s 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, it’s best to get in the habit of paying your credit card bill in full each month. This type of responsible use can save you money on interest and help you establish a positive credit history. Having trouble getting approved? Try a secured card insteadStudent 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. In some cases, a student credit card will be the cardholder's first credit card and, like international students, the applicant might not have any credit history. However, card issuers will often still try to pull an applicant’s credit report and might not approve an application from someone who doesn’t 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. If you’ve tried to get a student card as an international student and were denied, you might want to consider a secured credit card instead. Credit card issuers create secured credit cards for international students who are rebuilding their credit or have no credit history. With a secured credit card, you’ll need to send the issuer a refundable security deposit, which will generally determine your card’s credit limit. 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. Secured cards work like unsecured cards and paying your bills on time can help you build credit. Depending on the issuer, you might receive a credit limit increase or get your security deposit back after you show consistent, responsible use. Otherwise, you’ll get the money back when you close your account, assuming it’s in good standing and you don't have an outstanding balance. If you’re studying in the United States, you probably have plenty of reasons for wanting a credit card. A credit card can be a convenient and safe way to make purchases online and it can give you access to extra funds if you’re in an emergency situation and need money. Additionally, having a credit card can help you establish and build credit in the US, which could be important if you plan on staying in the US after your studies or might want to return later. Apply for U.S. credit cards with confidenceMore from Nova Credit: Credit Cards for No Credit Credit Cards Without SSN Credit Cards to Build Credit How to Build Credit How to use your international credit report to get credit in the U.S. What cards dont require SSN?10 Best Credit Cards Without a Social Security Number (SSN) in.... Card Summary.. Chase Freedom Unlimited®. Capital One Platinum Credit Card.. Blue Cash Everyday® Card from American Express.. Tomo Credit Card.. Chase Sapphire Preferred® Card.. Capital One Venture Rewards Credit Card.. Can you get a credit card in the US without a SSN?Getting a credit card without a Social Security number is possible, especially if you have or qualify for an ITIN. It'll be easier to qualify for credit cards if you have an American-based credit history or an established relationship with the bank.
Which is the best credit card for international students?Great credit cards for international students [2022]. Our featured American Express Card for Students from Canada, the UK, India, Mexico and Australia: Blue Cash Everyday® Card from American Express.. Our featured card for Students Who Don't Have an SSN: Deserve® Edu Mastercard for Students.. Can I apply Apple card without SSN?You won't be able to complete an Apple Card application without complying with the above-mentioned requirements. If you don't have a Social Security Number (SSN) you can consider rather applying for credit cards that don't require a SSN.
|