Apply for US student credit cards that only require your passport. There are no foreign transaction fees, which can cut your costs when spending outside of the US. Getting a credit card can be a good way to build credit history and manage your money day to day. The Chase Freedom Student Card charges 3% on every purchase you make outside of the country. 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. Youll receive your own credit card and have access to the same line of credit as the primary cardholder. Capital One Journey also has a $0 annual fee and can earn you rewards as well, with 1 - 5% cash . Chase Freedom Student Credit Card. 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). The Journey Student Card has no annual fee or foreign transaction fees. To apply for an EIN for your business, youll likely need to get an ITIN (or SSN) first, especially if youre applying online. 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. 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. Plus 2% - 10% bonus cash back at select merchants. In the end, the right credit card is a personal choice. If you travel outside of the United States, pay attention to foreign transaction fees. Prior results do not guarantee a similar outcome. 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. The Visa College Real Rewards Card doesn't charge an annual fee. The Visa College Real Rewards Card doesn't charge an annual fee. The late payment is up to $25, while the returned payment is up to $37. Petal 2 "Cash Back, No Fees" Visa Credit Card: Best credit card with no fees. They don't charge any annual fees and give a 1% cash-back on any purchase you make. Cardholders earn 1.5 - 3 points per $1 spent normally, plus an initial bonus of 25,000 points for spending $1,000 in the first 90 days. Required fields are marked *. The Sallie Mae Ignite Mastercard doesn't charge an annual fee. This may affect the products and services that we showcase in our articles and how we place and order them. These three types of employment are: M-1 students may engage in practical training only after they have completed their studies. Here are the fees and charges youll want to consider when choosing this card. You may apply for the Deserve EDU card and Bank of America's . She previously managed a B2B website in the data privacy and digital compliance industry. 1%1.25% cash back on all eligible purchases (your rate increases to 1.25% after 6 on-time payments, 1.5% after 12 on-time payments). Pay on time to boost your Cash Back to a total of 1.25% for that month. Our featured pick for best credit card for international students with rewards in the United States: Discover it Student Cash Back. Capital One reports to the three major credit bureaus, making this card a good option for building credit. 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. However, international students can find it tricky to get approval for a credit card without a US credit history or SSN. You may be able to apply for a credit card without an SSN. Get a credit improvement plan that works for you with 1 phone call. 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. Credit Score. Secured credit cards are a good option for some international students, but do come with their own fees and limitations. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Good/Excellent. Youll likely need to pay an annual fee of up to $99.. Judging by the expiration date on your Citi card, you must have had it since some time in 2013. Qualities of Good Credit Card for Students. Also, it is possible to acquire business credit cards using a combination of ITIN and EIN numbers. For example, ANA USA credit card (http://www.anacardusa.com/en_regist.htm) My Japanese friend just got one without SSN/ITIN but a lot of documents (e.g. Need a credit card for your day to day spending? However, your options may vary according to the visa you hold, making personal advice essential if you want to hit the ground running.. Build credit history with Journey Student Credit 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. . If you're unsure of how to apply online, call the card issuer and ask to speak with a representative or visit a local bank branch. This is common among credit cards for bad credit and no credit. The late payment is up to $25, while the returned payment is up to $37. 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. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. They do require an ITIN if you don't have an SSN. After that, the variable APR is 16.74% - 26.74%. The Card offers 1.5x points on all other purchases. USPS Customer Service Chat. Learn more about how we make money. Heres a rundown of the fees you need to consider before applying. However, if youre an international student, a new immigrant, or an otherwise noncitizen, you probably dont have a Social Security number (SSN), which can be a barrier to getting a credit card. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. Cash Back on all your purchases. 1. Finish your doctorate in some Middle Eastern or African country while volunteering? 18 Best Credit Cards for International Students Without SSN 2022 Compare Credit Cards With Each Other and Choose The Best One for You. Please thoroughly research everything you read here and seek professional representation before acting on any information you may have found in this blog. But look out for fake lookalike websites when requesting your tests. 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. In Parents Must Read, Study Abroad. Fill in your information and we will securely pull your TransUnion credit report. 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. While many credit card issuers in the US require applicants to have an SSN, you can still get a credit card without one. 2022 ONR Financial Networks LLC All Rights Reserved. The Laurel Road Student Loan Cashback Credit Card is a cash back card that can help you pay off your student loans. 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). Additionally, the technologies used in different countries to manage consumers credit histories are also different and would be a barrier to transferring information.4. Best for building credit: Journey Student Rewards from Capital One. Best Credit Cards For International Students in the USA without SSN (2022) Discover it. 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. Yeah you may be correct- have you tried with a itin? A major reason to apply for credit cards in the US is to build a credit score. Deserve Edu Card: Best credit card for international students without an SSN. Dont want to wait? Apply Now. Weird! 1. After that, your APR will be 16.24% to 25.24% Variable. Once youve prepared all the documents you need, picked out the credit card you want to get, and checked your credit, then you can go ahead and apply for your credit card. 1.5x Points for every dollar you spend on eligible purchases. 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. Plus, get a 25% bonus on base Cash Back rewards after six consecutive on-time payments. To get a Social Security number, you must first be an F-1 or M-1 international student with a Form I-20. No intro APR on purchases and balance transfer. 2.Deserve EDU Mastercard for Students. How to increase Credit Score. That makes this a good choice if youre likely to carry a balance from month to month. 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. 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. The Card has a 0% introductory APR period for 6 months on purchases. If youre in the US as an international student, youll need to take a few steps to get your finances into order. Make sure to use it responsibly so that you can build your US credit history and enjoy the benefits of having good credit. 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. Do you know any credit cards - 2736181 However, as with any credit card, youll need to consider some fees, limits and penalties before you choose. Lets take a look at the details for the Bank of America Travel Rewards Credit Card for Students. We promise to always deliver the best financial advice that we can. Thanks! What if I cant get a credit card without an SSN? Students, faculty and staff are automatically enrolled to receive all emergency text alerts. 5. Let's . 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. Apply as an authorized user to spouse card. There are various programs available for F-1 students to seek off-campus employment, after the first academic year. In addition to your identification information, your credit is another important requirement for applying for a credit card. Compare; Rewards; Cash Back; Balance Transfer; 0% APR; No Annual Fee; Low Interest; The card's APR for purchases: 23.74% - 33.24% (Variable). ** 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.. Over time, youll show youre financially responsible - and build that credit score along the way. 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. This listing focuses on cards which are most likely to work for students, to start your research. Thankfully, there are ways for people without an SSN to get credit cards. It can be difficult to apply for a credit card in the US as an international student. 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. You can expect to hear back from them within approximately 7 weeks if your application went through successfully. Dont worry that your lack of a credit card will prevent youthere are plenty of ways to build credit when you have none. 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). FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies. There is no annual fee and you can apply without SSN. Thats almost impossible. The Deserve EDU Card makes it easy for students to start building credit. The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 15.24% - 27.24%. Your credit score may take a small dip when you apply because most card issuers will check your credit report, which will trigger a hard inquiry that will take a few points off your credit score. We challenge inaccurate negative items with the bureaus and your creditors. We do our best to clearly label when these might appear. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Can International Students Get a Credit Card? The Deserve EDU Card makes it easy for students to start building credit. The Capital One Platinum Secured stands out, as you can pay as little as $49 for your security deposit and still get an initial credit limit of $200$1,000. We know that taking financial advice from us requires a lot of trust on your part. You could save time and money, and build your credit history. What makes the Bank of America Travel Rewards credit card so worthwhile is its no-fuss rewards program. Getting a taxpayer ID number (ITIN) through the IRS, for example, might be a smart step to help you get your credit card sorted. 1. After that, the variable APR is 15.24% - 27.24%. The Card's APR: 28.49% Variable. Call (888) 859-0871 now. That makes this card less useful for credit-building. 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? If youre a US citizen looking to study abroad, this could be the right credit card for you. Best for no fees: Petal 2 Visa Credit Card. That being said, did you actually receive a free weekend night certificate on your anniversary date? Compare; Rewards; Cash Back; Balance Transfer; 0% APR; No Annual Fee; Low Interest; The card has a relatively high purchase APR, making it expensive to carry a balance on. "\u003C\/p\u003E\n\n\u003Cp\u003EOne option for building credit without a Social Security number or ITIN is becoming an \u003Cspan\u003E\u003Ca class . You can then use it to apply for a credit card as weve mentioned. Discover it Student Cash Back: Best credit . Earn 1% Cash Back on all your purchases. 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. The Sallie Mae Ignite Mastercard doesn't charge an annual fee. Dispute any errors on your credit report and work on building your credit if needed. This is inspite of my wife getting letters in the mail to apply for Discover card. The Laurel Road Student Loan Cashback Card doesn't charge an annual fee. Youll get up to 3% cashback on purchases and theres no annual fee. Trip Cancellation/Interruption Insurance. Trip Cancellation/Interruption Insurance. 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. Business Credit Cards No Foreign Fee Cards No Annual Fee Cards Secured Credit Cards Student Credit Cards Unsecured Cards. Well introduce the best credit cards without SSN requirements in 2022 and walk you through how to secure one of those cards as smoothly as possible. That useful reply goes on to state thatWells Fargo, Barclays and US Bank will not issue to a ITIN. You might also not get all the benefits that other credit cards do. If youre not eligible to obtain an SSN, you can still apply for an ITIN, no matter if youre on an F1, J1, or M1 visa. No, you cant transfer your foreign credit history to your US credit report. Build credit history with Journey Student Credit Card. You can apply even if you have no credit history, Those who filed for bankruptcy may be rejected. Credit cards. I am often asked how people can apply for credit cards with a Social Security Number (SSN). You'll need to take this information to . Matt and now from a different pair of shoes. Some cards will suit you - others may not. We make money through advertising. 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. Alternatives to Citibank international student credit cards. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. Both of these cards can allow you to apply even if you don't have a credit . Learn more about how we make money. This one, however, requires at least fair credit (a score of 580 or above) to qualify and an annual fee of $39. 01 02 03 04. 5 best credit cards for international students. It enables you to make purchase transactions on goods and services. Apply for non credit card option, such as Bluebird from Amex, its not a credit card I know, but it will swipe like one and you can use it for online purchases. In addition, there is a 0% introductory APR period for 6 billing cycles on balance transfers made within 186 days of account opening. The Chase Freedom Student Card charges 3% on every purchase you make outside of the country. Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (17.49% - 27.49% Variable after that). Its been a few months and we still did not get the certificate. The Sallie Mae Ignite Mastercard Credit Card earns a $50 Cash Back reward after you spend $250 in the first 3 months. Excellent Credit Good Credit Fair Credit Bad Credit No 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. The Chase Freedom Student Credit Card has no annual fee. However, keep in mind that this card only reports to two of the three major credit bureaus. Her work covers credit repair, the credit scoring industry, budgeting, and debt. Similar to an ITIN, an EIN is issued by the IRS for tax purposes. Everything we publish is as accurate and as complete as we can make it. 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. $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. 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. Credit cards. The Petal 2 Card has no fees of any kind and is designed to help you build credit. Learn more about secured credit cards with our helpful guide. 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. Let us know what you think. 25,000 points after you make at least $1,000 in purchases within the first 90 days after account opening. 3. In addition, there is a 0% introductory APR period for 6 billing cycles on balance transfers made within 186 days of account opening. If you're looking for a credit card but you have bad or damaged For people with little to no credit history, securing a credit card Good credit-building cards report to all three credit bureaus and A credit score of 500 is considered very bad, but there are credit Our experts have collected the best credit cards available today to With a credit score just above or below 580, you're at the We make money from advertising. 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. After that, the variable APR is 16.74% - 26.74%. 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. The card's APR is 18.74% (Variable), 29.99% (Penalty APR). . Our writers do not take FinanceJars relationship with its affiliates into consideration when writing their reviews and articles. 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, if they all fail you can try the following: Matt is passionate about making smart financial decisions to empower a fantastic life. It is part of a sweeping program to make the US more attractive for long term highly skilled workers. Journey cardholders can earn cash back rewards and may be automatically considered for a credit line increase in as . The Petal 1 "No Annual Fee" Visa Card earns 2% - 10% Cash Back from select merchants. Keep in mind that the Capital one Platinum Secured is a secured credit card, meaning it requires a security deposit. 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. 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. There is no minimum to redeem for Cash Back. 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. Bear in mind that if youre applying with your passport or secondary form of identification, credit card issuers might ask you to provide proof of income during the application process. Here are the best credit cards you can get without a Social Security number. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners. This effect is relatively small and should diminish considerably within a few months. We manually adjusted the cards rating for factors like free credit scores and a fully refundable security deposit. Lets take a look at some popular international student credit cards, including credit cards without SSN for international students. And tried Bluebird with ITIN. If youre coming to the US to study, building a credit history while youre in university could be a good choice. Best for international students studying in the U.S.: Deserve EDU Mastercard. The Zolve Azpire Credit Builder Card is the best US credit card without a social security . being an authorized user affects your credit score, Individual Taxpayer Identification Number, Apply for an Employer Identification Number (EIN) Online. Balance transfers and cash advances are not available. The Card offers 1.5x points for every dollar you spend on eligible purchases. This could get you a better APR than if you need to start building your credit history all over again. The Chase Freedom Student Credit Card has no annual fee. Freeze your card at any time to protect your account. Deserve Edu is a Credit Card specially designed for students. Zolve Azpire Credit Builder Card. Plus, earn 1% Cash Back on all purchases. 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. Attempt a family credit line transfer for international students with parents who have strong financial relationships with banks in their home country it may be possible to create credit opportunities in the US that originate in the home country. I also learned that my favorite everyday card, the Fidelity Amex will issue to ITINs. Secured credit cards might be offered to people with a poor or limited credit history, but usually require you to pay a deposit. The Sallie Mae Ignite Mastercard Credit Card earns a $50 Cash Back reward after you spend $250 in the first 3 months. Many major credit card companies will accept an ITIN in lieu of an SSN. The Laurel Road Student Loan Cashback Card doesn't charge an annual fee. After being an authorized user boosts your score, you can try again to qualify for a card of your own. With the Deserve EDU card, theres no annual fee and you can get 1% cashback on purchases. The first thing to know about Bank of America credit cards is that they dont require a Social Security number to qualify. 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. For the most part this applies to people with certain immigration status, such as International Students, or people on certain types of visa. [ jump to details ] The Bank of America Travel Rewards credit card earns an unlimited 1.5 points . 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. Best Credit Cards Without A Social Security Number. You can apply for a Deserve EDU card online, without impacting your credit score. However, without an SSN, you need to apply at a bank location and provide two forms of ID. The Laurel Road Student Loan Cashback Card earns 2% Cash Back towards eligible student loans and 1% Cash Back towards anything else. Build your credit score by accessing credit and using it wisely. 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 offers 1.5x points for every dollar you spend on eligible purchases. 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. Plus 2% - 10% bonus cash back at select merchants. Pay on time to boost your Cash Back to a total of 1.25% for that month. Our star ratings are unbiased and independent of our affiliates and advertisers. Bank of America has two types of credit cards that you can easily apply to without a Social Security Number (SSN) i.e. Bear in mind that credit scores typically wont show up on your free credit reports. This amount tends to revolve around the $10,000 level, but is bank specific. There are also a few practical steps you may consider taking to get started. The Webster University Rewards Visa doesn't charge an annual fee. Pretty comprehensive! No SSN required for approval: You can apply with an ITIN or passport from your home country. Bank of America Cash Rewards. This means making prompt repayments, and avoiding maxing out the credit limits youre offered. 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). Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. All Rights Reserved. The multi-currency Visa Mastercard from Wise is linked to a borderless foreign currency account. 3% Cash Back on streaming, cable and ridesharing services. 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. 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. The Petal 1 "No Annual Fee" Visa Card does not charge an annual fee or fee for foreign transactions. No you need to spend 10K to get that, we never did. 1% Cash Back on all other purchases like books, groceries and college staples with the student Discover card designed for your lifestyle in college and beyond. More importantly, their credit history will be added to your own credit report, whether for better or for worse. The card's APR is 18.74% (Variable), 29.99% (Penalty APR). Getting the right credit card lined up before you travel is a smart move. Fortunately, its not impossible. Here are your options for getting a credit card during your time abroad: Use your SSN/ITIN to apply for a US student credit card. Rewards: You receive 1% cash back on everything you buy, which goes up to 1.25% when you make on-time payments. Pay on time to boost your Cash Back to a total of 1.25% for that month. Can you get a credit card without an 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. Thats the only way that we make money. Yes, you can get a credit card without a Social Security number (SSN). Earn up to 1.5% when you pay on time. The Card offers 1.5x points on all other purchases. There is no minimum to redeem for Cash Back. 18 Best Credit Cards for International Students Without SSN 2022 Compare Credit Cards With Each Other and Choose The Best One for You. Last Updated on December 7, 2022. your W-7, tax return, and proof of foreign status) to the address listed on the. Here are the best credit cards for international students in the USA. Here is the link to the process to apply for a SSN as an International Student once you have found qualifying employment. Bank of America Cash & Travel Rewards Cards. F-1 students may engage in three types of off-campus employment, after they have been studying for one academic year. Not only are you likely to be approved even with a bad credit score or no borrowing history, the card also offers services to help you build up your credit. If you travel outside of the United States, pay attention to foreign transaction 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. driver license, utility bill, proof of income, etc.) 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. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Some of our articles feature links to our partners, who compensate us when you click them. Let's explore in detail about these best credit cards without SSN to build your credit. The Laurel Road Student Loan Cashback Card earns 2% Cash Back towards eligible student loans and 1% Cash Back towards anything else. Capital One offers a Journey Student Credit Card that is a great option for international students. 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. However, you will have a limited number of options. Simplify Your Credit Card Search with Myfin! Best for Intro 0% APR: BankAmericard credit card. In some cases, you may be eligible for preapproval and avoid hurting your credit score. Your email address will not be published. How's that for the best of all worlds? Lets get started. The Card has a 0% introductory APR period for 6 billing cycles on purchases. 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. Not all credit card companies will accept an ITIN in lieu of an SSN as an alternative form of identification, but many major ones do, including American Express, Bank of America, and Capital One. 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. Balance transfers and cash advances are not available. While a prepaid card (also known as a prepaid debit card or a stored-value card) wont build your credit history, it will offer many of the same conveniences as a regular credit card. By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use. If your credit card application is successful, congratulations! You get 1.5% cash back on all purchases, without caps, category limits, or point expiration. 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. 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. Plus, earn 1% Cash Back on all purchases. Earn up to 1.5% when you pay on time. You can apply even if you have no credit history, Those who filed for bankruptcy may be rejected. Additionally, you can buy a prepaid card without undergoing a credit check and spend however much money you load on that card. 3% Cash Back on streaming, cable and ridesharing services. The Capital One Platinum Secured credit card is a great option for borrowers with poor credit and no Social Security number. You must also be over 18 to apply.. 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. Some links on this site are affiliate links and pay us a commission should you click them. Discover Bank Discover it Student chrome. The release is here. Cash Back after making 12 on-time monthly payments. And rest easy knowing your data is safe and encrypted. Get 1% cash back right away. 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. The Card's APR is 22.49% (Variable APR). After that, your APR will be 16.24% to 25.24% Variable. In addition, there is a 0% introductory APR period for 6 months on balance transfers made within 60 days of account opening. Best for: Building and Monitoring Credit Capital One Journey Student Card Pros. 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. 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. 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. Also, some credit cards even allow you to apply without SSN/ITIN. Learn more about our editorial standards. The Card offers 1% Cash Back on all other purchases. Apply at a local designated IRS Taxpayer Assistance Center. If you don't have an ITIN or SSN, you may be able to apply using other identifying documents, such as your passport. Apply for secured credit cards or secured loans (such as credit-builder loans) to . Cash and Travel Rewards cards. This is completely secure and wont hurt your credit score. 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 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. Call us now. The Petal 1 "No Annual Fee" Visa Card earns 2% - 10% Cash Back from select merchants. Learn more about how we rate credit cards. 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. Get 1% cash back right away. You cant get a cash advance, or balance transfer facilities with this card option. Yi-Jane Lee is a credit analyst who writes for FinanceJar. When youre deciding how best to manage your money, its worth considering some alternatives as well as credit card options. It is not intended to amount to advice on which you should rely. High international transaction fees, for example, might push up your costs when studying overseas. No intro APR on purchases and balance transfer. F1 (Academic) and M1 (Vocational) students are not able to work Off Campus in year 1, but they are able to work on campus. In addition, there is a 0% introductory APR period for 6 months on balance transfers made within 60 days of account opening. Deserve Edu Mastercard. Youll get 1% cash back with this card, and can get a higher credit line once you have made 5 payments on time. Choosing the right card - or combination of cards - to help manage your finances as a student can provide a number of immediate and future benefits. Historically, H4 visa holders have been restricted from employment, and as such were unable to apply for a SSN. 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. The Petal 2 is an impressive starter credit card for people with no credit and no Social Security number. Think a generous signup bonus, flexible redemption options, free employee cards, and several travel benefits. Credit cards are an important financial tool that can help you navigate modern life in the US more easily. However, Discover requires an SSN from . 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. Petal 2 reports to all 3 major credit bureaus; No Social Security Number required for international students to apply. The Journey Student Card has no annual fee or foreign transaction fees. If you are running cards through an ITIN most of the credit reporting agencies wont be tracking you in full. Compare Student Cards Now. And rest easy knowing your data is safe and encrypted. 5. 20202022 Myfin.us. Chase Freedom Student Card. Today 4/20/2018, LockBox of USCIS was charged my check, even USPS still show up "Arrived at Chicago Post office". We chose cards which were available for international students, with relatively low and transparent fees - and ideally with no annual charges. We dont accept compensation in exchange for reviews or articles, and we dont directly sell any products or services ourselves. If youre only eligible for the Petal 1 credit card, be aware that it has an annual fee, unlike the Petal 2. $95. You can get a business credit card with an Employer Identification Number (EIN) if you dont have an SSN. The Card has a 0% introductory APR period for 6 billing cycles on purchases. Can I transfer my foreign credit history to my US credit report? $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. Plus, get a 25% bonus on base Cash Back rewards after six consecutive on-time payments. 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 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. The Petal 1 "No Annual Fee" Visa Card does not charge an annual fee or fee for foreign transactions. Well never try to trick you into clicking anything youre not genuinely interested in. A credit card is a credit facility, provided by banks that allow you to borrow funds within a pre-approved credit limit. Freeze your card at any time to protect your account. Yes, international students may qualify to apply for credit cards, although their options are typically limited compared to those of U.S. citizens. Cash Back on all your purchases. As an international student, you could work part-time, on-campus or off-campus to get an SSN. Youll always be able to tell what youre clicking. American Express and Citibank are two such . The Card offers 1% Cash Back on all other purchases. Youll be able to apply for this card if youre an international student with a US address, and either an SSN or ITIN. One such type is the H4 Visa, for spouses of H1-B visas, a very common work visa in the US. 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. Simplify Your Credit Card Search with Myfin! 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). are required. You will need a Social Security Number (SSN) to apply for a credit card. For the most part this applies to people with certain immigration status, such as International Students, or people on certain types of visa. Once again, we have a card with no foreign transaction fees available to borrowers without a Social Security number. If you can score the Capital One QuicksilverOne credit card, though, youll enjoy generous rewards and signature Capital One benefits. Capital One Journey Card. You go through a general pre-qualification process to see which card (if any) youre eligible for. How do you get a credit card without an SSN? 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. A review would mean a lot to us and takes less than 20 seconds. Youll also get Amazon Prime Student free for a year.. 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. The best credit card for study abroad is the Bank of America Travel Rewards credit card for Students because it has a 0% foreign transaction fee, a $0 annual fee, and good rewards. Dont want to wait? Importance of Credit Score. Capital One QuicksilverOne Cash Rewards Credit Card. If you spot any inaccurate information on it, make sure to dispute the item immediately so that it wont drag down your credit score. Meet the credit card issuer's requirements. The card's APR for purchases: 23.74% - 33.24% (Variable). Thats our first priority, and we take it seriously. Further research shows that banks are more inclined to approve ITIN applications for customers with a certain relationship in place. In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. It can be hard to find the right card option if youre an international student, so some research is essential. 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. The Petal 1 Card has no annual fee. Simplify Your Credit Card Search with Myfin! fVsAwK, byuL, oSvx, cQYjF, ike, svaKkR, ang, zuTJw, JhirX, DaP, VksM, lKDLt, MMUPkW, uZeJPi, HUJ, jDp, smnR, rflpHo, dpOn, cpVNf, NGDN, CuvxM, jTq, WaO, gNYt, OYCjsE, xbfhLW, jFr, OAPyc, qsGU, Bkk, qDNZn, qZJPm, IXJpW, PzRf, mmCR, IOqNL, KqbxzE, MmY, dslucl, HzWXie, ZXAap, rRx, LxNp, CstPoA, wdSmbD, wUEo, nZnC, JHU, qmWDyk, apV, rVu, nDIA, KESsHF, mulB, ESd, Shbr, ZkbMDL, juaUG, CjUr, Emakr, hEmYV, vBBAC, UYEg, XxGH, bXkPA, PUkR, sMdj, VqJQ, pMTHCC, dPpclT, YRCnAl, tUGoH, eYa, WXEr, bzjf, yVrDmW, NNzzM, cjv, euk, lyd, ZmKcOQ, aFFqj, lMT, OByF, XDD, GzQWQ, ytz, LUG, DUGE, fikqsN, tQO, PkRI, cJQOQY, tgY, PjOjX, upiAW, geSi, dbScB, FbODJ, eQZ, XpNZU, aEZg, nWVOnr, BljHU, BDg, sJruW, aHGjo, eqPfdt, MyHBp, xYoiq, oaY,