How to Get Credit Cards for Non-US Citizens: A Complete Guide
Overview
Credit cards are essential for managing finances, building credit, and enjoying perks like cashback and travel rewards. For non-US citizens, the process of obtaining a credit card in the United States might seem complicated due to factors like lacking a Social Security Number (SSN) or a US credit history. However, it’s not impossible. This guide by Academic Block will walk you through the steps to secure a credit card in the US as a non-citizen.
Understanding the Basics: Why a Credit Card Matters
Before diving into the process, let’s explore why having a credit card in the US is beneficial:
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Build US Credit History : Your credit history affects your ability to secure loans, rent apartments, or even get certain jobs.
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Convenience and Security : Credit cards are safer than carrying cash and often offer fraud protection.
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Rewards and Benefits : Many cards provide perks like cashback, travel rewards, and purchase protection.
Now, let’s discuss the key steps to getting a credit card as a non-US citizen.
Determine Your Eligibility
Non-US citizens can still qualify for credit cards under certain conditions. Here’s what credit card issuers typically require:
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Residency Status : Having a visa, green card, or work authorization can help.
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US Bank Account : A US-based checking or savings account is often necessary.
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SSN or ITIN : Some cards require an SSN (Social Security Number), while others accept an ITIN (Individual Taxpayer Identification Number).
If you lack an SSN, consider applying for an ITIN from the IRS. Many credit card providers accept ITINs as an alternative.
Start with a Secured Credit Card
If you’re new to the US financial system, secured credit cards are a great way to start. These cards require a refundable deposit, which acts as your credit limit. Over time, responsible usage helps you build a credit history.
Popular Secured Cards for Non-Citizens:
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Discover it® Secured Credit Card : Offers cashback rewards and no annual fee.
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Capital One Platinum Secured Credit Card : Flexible deposit requirements with a path to upgrade to an unsecured card.
Consider Credit Cards for International Students
If you’re a student in the US, many banks offer credit cards tailored specifically to international students. These cards often do not require an SSN or extensive credit history.
Recommended Student Credit Cards:
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Deserve® EDU Mastercard : No SSN required, offers rewards, and includes Amazon Prime Student membership.
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Bank of America® Travel Rewards Credit Card for Students : Ideal for frequent travelers with no annual fee.
Leverage Your Home Country’s Banking Relationship
If you have a strong banking history with an international bank operating in the US, you may be eligible for a credit card through their US branch. Examples include:
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HSBC Premier Credit Card
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Citi Global Banking Program
Contact your home bank to explore options for leveraging your international account.
Apply for Credit Cards That Don’t Require an SSN
Certain US credit cards are designed for newcomers and do not require an SSN. These cards often rely on alternative ways to verify your identity and creditworthiness.
No-SSN Credit Card Options:
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Petal® 1 “No Annual Fee” Visa® Credit Card : Uses alternative credit scoring models.
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TomoCredit Card : No credit check, no deposit required, and no SSN needed.
Use Fintech Platforms for Alternative Credit Options
Modern fintech companies have simplified the credit card application process for non-citizens. Many of these platforms evaluate your banking history, employment status, and income rather than requiring a US credit score.
Examples:
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Nova Credit : Helps immigrants transfer credit history from their home country.
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Chime Credit Builder Card : A secured card with no credit check or annual fee.
Establish a Co-Signer or Authorized User Relationship
If you have a trusted friend or family member in the US, they can help you in two ways:
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Authorized User : Join an existing credit card account to piggyback on their credit.
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Co-Signer : Apply jointly for a card, though this option is rare with most issuers.
Prepare Your Documentation
Having the right documents ready can streamline your credit card application process. Typical requirements include:
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Passport and Visa : To verify your identity and legal residency.
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Proof of Address : Utility bills, lease agreements, or bank statements.
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Income Proof : Pay stubs, employment offer letters, or bank account balances.
Apply and Use Your Card Responsibly
Once you’ve identified a suitable credit card, complete the application online or at a bank branch. Here are some tips for responsible usage:
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Pay on Time : Always pay your bill by the due date to avoid late fees and interest.
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Monitor Your Spending : Keep your balance below 30% of your credit limit to maintain a good credit score.
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Check Your Credit Report : Use free tools like Credit Karma to track your progress.
Upgrade to Better Cards Over Time
As you build a credit history, you’ll qualify for cards with better rewards and higher limits. After 6-12 months of responsible usage, consider upgrading to:
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Unsecured Credit Cards : These do not require a deposit and offer better perks.
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Premium Travel Cards : For frequent travelers, cards like the Chase Sapphire Preferred® or Amex Gold Card provide extensive travel benefits.
Common Challenges and Solutions
Challenge 1: No SSN or ITIN
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Solution : Apply for cards like Deserve EDU or TomoCredit, which don’t require these numbers.
Challenge 2: Lack of Credit History
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Solution : Start with secured cards or use platforms like Nova Credit to transfer international credit history.
Challenge 3: High Fees
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Solution : Compare multiple options and choose no-annual-fee cards.
Best Credit Cards for Expats in the US
For expats living in the United States, finding a credit card that suits their unique needs is essential. These cards often come with features tailored to international lifestyles, such as no foreign transaction fees, rewards on global spending, and easy application processes. Here are some of the best credit cards for expats:
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Chase Sapphire Preferred® Card : Known for its robust travel rewards, no foreign transaction fees, and flexible points redemption options.
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American Express® Gold Card : Offers excellent rewards on dining and groceries, plus no foreign transaction fees, making it a great choice for expats.
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Capital One Venture Rewards Credit Card : Ideal for frequent travelers with its straightforward 2X miles on every purchase and no fees for international transactions.
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HSBC Elite Credit Card : A premium option for global citizens with benefits like worldwide concierge service and travel perks.
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Bank of America® Travel Rewards Credit Card : A no-annual-fee card with unlimited 1.5 points per dollar spent and no international fees.
These cards cater to the needs of expats by offering features that simplify financial management across borders, ensuring convenience and rewards for a global lifestyle.
Final Words
Getting a credit card as a non-US citizen requires patience and preparation. Start with beginner-friendly options like secured or student cards, and gradually work your way up to premium cards. By paying your bills on time and maintaining a low credit utilization ratio, you can build a strong US credit profile in no time. Hope you liked this article by Academic Block, please provide your valuable thoughts to make this article better. Thanks for Reading!
This Article will answer your questions like:
Non-U.S. citizens can apply for credit cards by providing alternative identification like a passport, Individual Taxpayer Identification Number (ITIN), or proof of residence. Many banks and fintech companies offer options tailored for non-citizens, such as secured credit cards or those linked to international credit histories.
Non-residents can obtain U.S. credit cards by partnering with global banks like HSBC or through fintech providers like Nova Credit, which link international credit scores. Alternatively, secured credit cards or co-signed applications can help establish U.S. credit profiles effectively.
To get a U.S. credit card online, apply through major banks or fintech platforms. Ensure your ITIN or passport is ready for verification. Platforms like American Express and Discover offer streamlined online applications for non-citizens without SSNs.
Top credit cards for expats include the Chase Sapphire Preferred for travel rewards, the HSBC Premier Credit Card for global banking, and the American Express Gold Card for dining benefits. They cater to expats with international privileges.
Yes, expats can get U.S. credit cards by applying with international-friendly banks like Citi or Chase. Proof of income, ITIN, and a U.S. address (even virtual) might be required during the application process.
Expats can access U.S. credit cards by applying through global banks, using co-signed applications, or leveraging fintech solutions that consider international credit histories. Building a U.S. credit profile helps in securing better options.
The Capital One Platinum Card is ideal for immigrants starting their U.S. credit journey, offering no annual fees. Additionally, secured cards like the Discover It Secured help build credit effectively for newcomers.
Expats can obtain credit cards by applying with global banks like HSBC or Citi, which often accept international documentation. Establishing a local bank account, providing proof of income, and starting with a secured credit card are also effective approaches.
Yes, non-immigrants can get credit cards by applying with alternative identification like ITIN or a passport. Some banks and fintech services also allow applications based on international credit histories or deposits for secured cards.
The Deserve EDU Mastercard and Petal 2 Visa are excellent options for non-U.S. citizens without an SSN. They do not require a credit history and offer rewards, making them ideal for newcomers building credit.
In 2024, top credit cards for non-U.S. citizens include the Capital One Quicksilver for cashback, the Chase Sapphire Preferred for travel rewards, and secured options like the Discover It Secured for credit-building.
The Wise Virtual Card is a great option for non-residents, offering seamless cross-border payments with minimal fees. It is linked to a multi-currency account, making it ideal for global transactions.
Non-residents can apply for the Bank of America Cash Rewards Secured Card. It allows individuals without a credit history to build their profile while earning cashback on everyday purchases.
American Express offers cards like the American Express International Dollar Card (IDC) for non-U.S. residents. These cards provide premium travel benefits and are linked to global customer service networks.
The HSBC Expat Credit Card offers benefits such as no foreign transaction fees, access to global banking, and rewards for international spending. It’s tailored for expats with global financial needs.
The Chase Sapphire Preferred is ideal for global travelers due to its robust travel rewards, no foreign transaction fees, and points transfer to leading airline and hotel loyalty programs worldwide.