Credit Card Options for International Students and Immigrants

Credit Card Options for International Students and Immigrants

With several great options to choose from, the best overall credit card for international students and immigrants is the Capital One Platinum Secured Credit Card. It has no annual fee and only requires an ITIN.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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There are several options available for international students and immigrants seeking a credit card in the United States, even without a Social Security number or ITIN.

Though it can be challenging, it is possible for non-U.S. citizens living in the United States to get a credit card. One’s immigration status will dictate the number of credit card options available, but it's important to note that you don't necessarily need to have a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) in order to get a credit card in the United States. Many immigrants and international students may be able to apply for secured credit cards or become authorized users on someone else’s account.

Best credit cards for those without a Social Security number or ITIN

Below are our top options for credit cards you can get if you have neither a Social Security number nor an ITIN. These types of cards are great choices for international students and non-U.S. citizens residing in the United States that are looking to build up their credit without needing to pay an annual fee.

Best credit card for students with no credit history: Deserve® EDU Mastercard for Students

  • On Deserve's Secure Website

$0

18.74% Variable

Good/Fair/Limited

  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

One great credit card option available to international students is the Deserve® EDU Mastercard for Students. This card doesn’t require a Social Security number to apply, which is especially helpful for international students and those with little to no credit history. This card has a $0 annual fee, no deposit requirements and allows cardholders to Earn 1% unlimited cash back on ALL purchases.

To make this card even more lucrative, the Deserve® EDU Mastercard for Students also comes with some useful benefits, including Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements. You'll also get cell phone protection up to $600 and the added benefit of no foreign transaction fees, making it easy to use your card whenever you visit home. These benefits make this card one of the best credit cards for students with no credit history.

Application process: You'll initially be asked whether you are a U.S. or international student. International students do not need to provide a SSN. You’ll need to fill in your personal details and source(s) of income or assets, such as a job, scholarship, grant or family savings. Note that if you do have a credit score, it may be factored into the bank's decision on your application.

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  • $0 annual fee or required deposit
  • Cell phone protection up to $600
  • Free year of Amazon Prime after spending $500 in the first three billing cycles
  • No SSN required
  • Earn 1% unlimited cash back on ALL purchases
  • Targeted specifically toward students, so not necessarily a great option for non-student immigrants
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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EReceive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EFeel secure with cell phone protection up to $600.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo deposit required. No annual fees.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo international transaction fees on purchases abroad so you can travel with confidence.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Social Security Number required for international students to apply.\\u003C\\\/li\\u003E\\u003Cli\\u003ERefer A Friend Program: Refer anyone to Deserve using your personal referral code. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"No credit history\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4412.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1132?url=_travel_credit-card-options-international-students-immigrants\",\"name\":\"Deserve\\u00ae EDU Mastercard for Students\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOne great credit card option available to international students is the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Deserve\u00ae EDU Mastercard for Students Review: A Great Option for Students\" href=\"https:\/\/www.valuepenguin.com\/deserve-edu-credit-card-review\"\u003EDeserve\u00ae EDU Mastercard for Students\u003C\/a\u003E\u003C\/span\u003E. This card doesn\u2019t require a Social Security number to apply, which is especially helpful for international students and those with little to no credit history. This card has a $0 annual fee, no deposit requirements and allows cardholders to Earn 1% unlimited cash back on ALL purchases.\u003C\/p\u003E\n\n\u003Cp\u003ETo make this card even more lucrative, the Deserve\u00ae EDU Mastercard for Students also comes with some useful benefits, including Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements. You'll also get cell phone protection up to $600 and the added benefit of no foreign transaction fees, making it easy to use your card whenever you visit home. These benefits make this card one of the best credit cards for students with no credit history.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EApplication process\u003C\/strong\u003E: You'll initially be asked whether you are a U.S. or international student. International students do not need to provide a SSN. You\u2019ll need to fill in your personal details and source(s) of income or assets, such as a job, scholarship, grant or family savings. 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Note that if you do have a credit score, it may be factored into the bank's decision on your application.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee or required deposit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cell phone protection up to $600\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free year of Amazon Prime after spending $500 in the first three billing cycles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No SSN required\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 1% unlimited cash back on ALL purchases\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Targeted specifically toward students, so not necessarily a great option for non-student immigrants\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit cards if you only have an ITIN

For international students and immigrants who have only an individual taxpayer identification number (ITIN) but no SSN, you still have a few solid options when it comes to finding a credit card.

Best for students without a Social Security number: Journey Student Rewards from Capital One

With the Journey Student Rewards from Capital One, you won't pay an annual fee or foreign transaction fees, and you have the ability to Earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time. Best of all, this card only requires applicants to have an ITIN, which is great for international students and people with little or poor credit history.

Not only does the Journey Student Rewards from Capital One offer stellar rewards for a student card, but it also includes a $60 streaming subscription credit, which allows you to earn $5 per month for 12 months on select streaming subscriptions when you pay on time (exclusions apply). Capital One will automatically consider you for a higher credit line in as little as six months.

  • $0 annual fee
  • Foreign transaction fees: None
  • No SSN required, just ITIN
  • Decent earning rate for a student card
  • $60 streaming subscription credit
  • Automatically considered for a higher credit line in six months
  • High regular APR
  • No sign-up bonus
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Capital\"\u003EBest for students without a Social Security number: Journey Student Rewards from Capital One\u003C\/h3\u003E\n\n\u003Cp\u003EWith the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Journey Student Rewards from Capital One Review: Flat-Rate Cash Back For Students\" href=\"https:\/\/www.valuepenguin.com\/capital-one-journey-credit-card\"\u003EJourney Student Rewards from Capital One\u003C\/a\u003E\u003C\/span\u003E, you won't pay an annual fee or foreign transaction fees, and you have the ability to Earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time. Best of all, this card only requires applicants to have an ITIN, which is great for international students and people with little or poor credit history.\u003C\/p\u003E\n\n\u003Cp\u003ENot only does the Journey Student Rewards from Capital One offer stellar rewards for a student card, but it also includes a $60 streaming subscription credit, which allows you to earn $5 per month for 12 months on select streaming subscriptions when you pay on time (exclusions apply). Capital One will automatically consider you for a higher credit line in as little as six months.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No SSN required, just ITIN\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Decent earning rate for a student card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $60 streaming subscription credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Automatically considered for a higher credit line in six months\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High regular APR\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Best for earning rewards without a Social Security number: Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

One of the best rewards credit cards out there happens to be available for those without a Social Security number. The Chase Sapphire Preferred® Card only requires applicants to supply their ITIN when applying for the card. This card offers a spectacular sign-up bonus: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. It also allows cardholders to earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases.

Widely considered to be one of the best travel cards, the Chase Sapphire Preferred® Card has $0 foreign transaction fees and offers cardholders access to varying types of travel insurance. With this card you'll also have the ability to redeem your rewards with Chase Ultimate Rewards' many transfer partners. If you have an ITIN, we would definitely recommend taking advantage of the Chase Sapphire Preferred® Card.

  • $0 foreign transaction fees
  • Excellent travel perks
  • VIP access to events and experiences
  • Travel insurance
  • Stellar sign-up bonus
  • High rewards rates
  • Ability to earn Chase Ultimate Rewards
  • $95 annual fee
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22.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae.\u003C\/li\u003E\u003Cli\u003EEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining and 2X points on all other travel purchases, plus more.\u003C\/li\u003E\u003Cli\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\u00ae. For example, 100,000 points are worth $1,250 toward travel.\u003C\/li\u003E\u003Cli\u003EWith Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\u003C\/li\u003E\u003Cli\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003ECount on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\u003C\/li\u003E\u003Cli\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\/31\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99% - 22.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards\\u00ae, 3X points on dining and 2X points on all other travel purchases, plus more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\\u00ae. For example, 100,000 points are worth $1,250 toward travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\\\/31\\\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Social Security number\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4709.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_travel_credit-card-options-international-students-immigrants\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOne of the best rewards credit cards out there happens to be available for those without a Social Security number. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card Review: Does It Live Up to The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E only requires applicants to supply their ITIN when applying for the card. This card offers a spectacular sign-up bonus: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae. It also allows cardholders to earn 5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining and 2X points on all other travel purchases.\u003C\/p\u003E\n\n\u003Cp\u003EWidely considered to be one of the best travel cards, the Chase Sapphire Preferred\u00ae Card has $0 foreign transaction fees and offers cardholders access to varying types of travel insurance. With this card you'll also have the ability to redeem your rewards with \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: Earning and Redeeming Chase Points\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u003C\/a\u003E\u003C\/span\u003E' many transfer partners. If you have an ITIN, we would definitely recommend taking advantage of the Chase Sapphire Preferred\u00ae Card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent travel perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n VIP access to events and experiences\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Stellar sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High rewards rates\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ability to earn Chase Ultimate Rewards\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best secured credit cards for international students and immigrants

Applying for a secured credit card can be a great way for international students, immigrants and people with little, poor or no credit history to build and repair their credit. Building credit is an important step towards upward mobility when newly arriving in the United States.

Best credit card if you have a Social Security number: Discover it® Secured Credit Card

The Discover it® Secured Credit Card is often considered to be one of the best secured credit cards in the United States. This is mainly because it includes a rewards program — and a good one, at that — which isn't typical for secured credit cards. The only downside here is that you do need to have a Social Security number in order to apply for this card, and Discover doesn’t accept ITIN.

Some of the Discover it® Secured Credit Card's more noteworthy features include 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically. With Discover's Cashback Match program, you'll also get an Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. This card requires you to put down a refundable security deposit, which will be equal to your initial credit line. The minimum initial deposit for this card is $200. Discover will also report your credit history to all three major bureaus, which can help you build good credit when you consistently pay your bill ontime.

  • Solid rewards program
  • Free FICO® Score
  • Reports to all three credit bureaus
  • $200 minimum security deposit
  • Discover isn't widely accepted abroad
  • Need an SSN to apply
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Discover\"\u003EBest credit card if you have a Social Security number: Discover it\u00ae Secured Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Discover it\u00ae Secured Credit Card Review: Is It a Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-secured-credit-card\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/a\u003E\u003C\/span\u003E is often considered to be one of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Best Secured Credit Cards of 2021\" href=\"https:\/\/www.valuepenguin.com\/best-secured-credit-cards\"\u003Ebest secured credit cards\u003C\/a\u003E\u003C\/span\u003E in the United States. This is mainly because it includes a rewards program \u2014 and a good one, at that \u2014 which isn't typical for secured credit cards. The only downside here is that you do need to have a Social Security number in order to apply for this card, and Discover doesn\u2019t accept ITIN.\u003C\/p\u003E\n\n\u003Cp\u003ESome of the Discover it\u00ae Secured Credit Card's more noteworthy features include 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically. With Discover's Cashback Match program, you'll also get an Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. This card requires you to put down a refundable security deposit, which will be equal to your initial credit line. The minimum initial deposit for this card is $200. Discover will also report your credit history to all three major bureaus, which can help you build good credit when you consistently pay your bill ontime.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid rewards program\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"FICO Models Explained: Which Differences Matter Most\" href=\"https:\/\/www.valuepenguin.com\/fico-models-explained\"\u003EFICO\u00ae Score\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Reports to all three credit bureaus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $200 minimum security deposit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Discover isn't widely accepted abroad\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Need an SSN to apply\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Best starter credit card: Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is a great credit card for immigrants and permanent residents who have an ITIN or Social Security number. Though this card doesn’t offer any type of rewards program, paying your bill on time consistently will help you build your credit and eventually graduate to an unsecured card.

There is a $0 annual fee, but this card requires a refundable minimum security deposit of either $49, $99 or $200 which will earn you an initial credit line of $200. However, if you deposit more money before your account opens you are eligible to get a higher credit line. You will also automatically be considered for a higher credit line after six months from account opening.

  • $0 annual fee
  • Flexible credit line
  • No SSN necessary, ITIN accepted
  • Automatic credit line reviews
  • Requires a refundable minimum security deposit
  • No rewards program
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Compare credit cards for international students and immigrants

Card name
ITIN or SSN required?
Rewards
Annual fee
Deserve® EDU Mastercard for StudentsNo1% unlimited cash back on ALL purchases$0
Journey Student Rewards from Capital OneYes - ITIN accepted1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time$0
Chase Sapphire Preferred® CardYes - ITIN accepted5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases$95
Show All Rows

Why is it challenging for international students to get a credit card?

International students may have a difficult time getting approved for a credit card for a variety of reasons:

  • Lack of a credit history: One of the struggles plaguing most students, international or not, is that students often have little to no credit history — this can make it challenging to be approved for a credit card. The most important step for anyone newly applying for a credit card is to establish a good credit history. For international students, the best option for doing this is often by selecting a secured credit card for students.
  • No SSN or ITIN: International students may not have a Social Security number or ITIN — which, as we have outlined in this article, severely limits the options available when it comes to taking out a credit card.

One option for building credit without a Social Security number or ITIN is becoming an authorized user on someone else's account who has a strong credit history.

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Banks that accept ITINs for credit cards

For permanent residents, temporary immigrants and international students who don't have an SSN but do have an ITIN, there are more options available for taking out a credit card, though you still may face some challenges. Unfortunately, not all banks in the U.S. will accept an ITIN as a substitute for an SSN.

Issuer
Allows Credit Card Applications With ITIN
American Express
Bank of America
Barclaycard
Capital One
Chase
Citi
Discover
US Bank
Wells Fargo

The importance of building credit

The number one most important step for being eligible to get a credit card is to establish a good credit history. Establishing a positive credit history is essential for building a life in the United States: From buying a house or renting an apartment, to buying a car and taking out a loan, everything requires a decent credit score.

Unfortunately for international students and immigrants, your international credit history doesn't always follow you to the United States. That's because foreign banks typically don't report to the three major U.S. credit bureaus. Most newcomers to the U.S. will be starting from scratch when it comes to building a credit history, and using credit cards responsibly is a great start.

How to build a good credit history

  1. Once approved for a credit card, be sure to pay your bill on time and in full for the best long-term effects on your credit history.
  2. Consider starting with a secured credit card. Though they may not come with as many bells and whistles as other credit cards, they're a great way to establish a positive credit history that can propel you towards an unsecured card. Secured cards are generally easy to get if you don't have any previous credit history, or if your past credit history is poor. Aside from your initial deposit, they usually won’t burden you with a ton of ongoing fees.
  3. Make sure your credit card reports your activity to at least one of the three major credit bureaus to ensure you're actually building your credit history.
  4. Use your credit card frequently, but avoid making purchases you can't afford to pay off on time and in full. In order to build a solid credit history, you should use 30% or less of your credit card limit.

Beware of predatory lending

Immigrants searching for a credit card need to carefully examine any contracts or cardmember agreements before applying — you should understand all the fees and charges associated with a new account. People with low credit scores and limited credit histories are often targeted with extremely high interest rates and fees.

Some guidelines:

  • Don’t accept credit cards with a purchase APR higher than 29%.
  • If a card comes with an annual fee, it should be less than $50.
  • Other types of fees are not common. Origination, monthly membership or upkeep fees are generally a sign of a card being a so-called fee harvester, and should be avoided.
  • Look out for other surprises in the card’s terms and conditions (for example, the lack of a grace period for interest).
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Becoming an authorized user

Another option for building your credit history is to become an authorized user on someone else's credit card account who already has a high credit score. The way this works is:

  • Someone with an open credit card account can add you as an authorized user on their account (typically for a small fee).
  • From there, you’ll be issued your own credit card with your name on it that's linked to their account, and you'll be able to make purchases on the card.
  • The issuing bank will typically report your name to the credit bureaus, which can help build your credit when the account holder pays off their card on time and in full each month.

The major challenge here is that you'll need someone willing to take on the risk of making you an authorized user. The primary account holder will be solely responsible for all debt posted to this account, even if you’re the one making the purchases. In most cases, authorized users tend to be the primary account holder's spouse or family member.

FAQs about credits for immigrants and international students

Can I get a credit card as an international student?

Yes, it is possible to get a credit card as an international student. Even if you don't have a Social Security number or an ITIN, there are still options for getting a credit card in the US. One example of a great first time credit card for students is the Deserve® EDU Mastercard for Students, which is targeted specifically towards students and doesn't require an SSN to apply.

Which credit card is best for international students?

The best credit card for international students depends on whether or not you have a Social Security number or ITIN. If you have neither, the Deserve® EDU Mastercard for Students is a great option. If you have an ITIN, there are lots of good credit cards for students. The Journey Student Rewards from Capital One is another great option for international students.

Can a non-U.S. citizen get a credit card?

Yes, non-U.S. citizens can get a credit card, though you may have to jump through a few hoops to make it happen. If you have a Social Security number or ITIN, you’ll have a lot more options available to you. If you lack an SSN or ITIN, however, you might try opening a secured card to build your credit history or becoming an authorized user on someone else's account.

Can you get a credit card without a Social Security number?

Yes, you can get a credit card without a Social Security number. It's much easier to get a credit card if you have an ITIN, but even if you don't, there are still options available to you. If you don't have an SSN or an ITIN, the Deserve® EDU Mastercard for Students can be a great choice for you. The Deserve® EDU Mastercard for Students is also one of the best starter credit cards for students.

What is the best credit card for immigrants?

The best credit card for immigrants depends on whether or not you have a Social Security number or ITIN. If you only have an ITIN but no SSN, there are still lots of great options for getting a credit card. If you have an ITIN, we recommend the Capital One Platinum Secured Credit Card to help you best build your credit history.

The information related to Journey Student Rewards from Capital One, Discover it® Secured Credit Card and Capital One Platinum Secured Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).