Navigating the U.S. credit system can be a challenge for international students, especially without a Social Security Number (SSN). However, as of 2024, several financial institutions have tailored credit card products to meet the unique needs of international students.
These cards often accept alternative forms of identification and are designed to help build credit history in the U.S. Here’s a list of some of the top credit cards available for international students without an SSN.
1. Deserve® EDU Mastercard for Students
No SSN required for international students, no annual fee, and a straightforward application process. Offers cashback rewards and a waiver for Amazon Prime Student membership.
2. Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Uses alternative data instead of credit history for approval decisions, which can be beneficial for students without an SSN or credit history. Offers cashback rewards and doesn’t charge any fees.
3. Discover it® Student Cash Back
While an SSN is typically required, international students can apply with an ITIN. Offers generous cashback rewards, a Good Grade Reward program, and no annual fee.
4. Capital One Platinum Credit Card
Accepts applicants with an ITIN. Known for its low entry requirements and no annual fee, making it suitable for students building their credit history.
5. Bank of America® Travel Rewards Credit Card for Students
Offers points on all purchases, with no annual fee and no foreign transaction fees, making it ideal for students who travel or study abroad. Accepts applications with an ITIN.
6. Citi Rewards+℠ Student Card
Designed for students, offering ThankYou® points on purchases, with a bonus on gas and grocery purchases. An SSN is required, but international students can apply with an ITIN.
7. Journey Student Rewards from Capital One
Available to applicants with limited credit history and accepts ITIN for application. Offers cashback rewards and increases the reward rate for on-time payments, promoting good credit habits.
8. State Department Federal Credit Union (SDFCU) Savings Secured Visa Platinum Card
Available to international students who join the SDFCU. It’s a secured credit card, meaning it requires a security deposit but also accepts an ITIN instead of an SSN.
9. OpenSky® Secured Visa® Credit Card
No credit check needed and no SSN required, making it accessible for international students. It’s a secured credit card, which can help in building credit.
10. BoroCash for Students
Although not a traditional credit card, BoroCash offers a line of credit to college students without requiring an SSN or a co-signer. It’s a good option for short-term financing needs.
Conclusion
These credit cards represent some of the best options available for international students in the U.S. without an SSN in 2024. When choosing a credit card, consider factors like annual fees, interest rates, reward programs, and the card’s acceptance for building a U.S. credit history. Remember, responsible use of a credit card is key to building a good credit score, which will be beneficial for future financial needs.