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So we made a list of great credit cards that you can get without a U. Many of the card offers that appear on this site are from companies from which Nova Credit receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear.
Nova Credit does not include all card companies or all card offers available in the marketplace. If you are a newcomer to the U. Even if you are not from one of these countries, Amex still accepts ITINs as part of their applications. American Express also reports to all 3 major credit bureaus Equifax, Transunion, Experian , so you can start building U. On the American Express application , you will have the option to click "I don't have credit history in the U. When clicking this, you may be able to qualify for the card using your credit history from Canada, the UK, Australia, India or Mexico.
No need to have existing U. Experian and TransUnion will track and attempt to match your name, birth date, and address to your credit history. Traditionally, you had to use stepping stones to build credit in the U. You can learn more about the application process in our guide.
And here are some of the most popular Amex cards you can choose from:. The card offers cash rewards on many common purchases. Using it, you can earn:. Plans created after that will have a plan fee up to 1. All cash back is earned in the form reward dollars and can be redeemed for statement credits. Also, beware of the 2. Unlike typical credit cards, this card allows you to carry a balance for certain charges, but not all. The card offers a lot of benefits and statement credits that can help justify the annual fee:.
Earn 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U. Enrollment required. A few card issuers use alternative methods to review credit card applications. For example, you may be able to let the issuer analyze your bank transactions and make a decision based on that information. Deserve offers several cards that it created specifically for people who are new to credit or new to the U. Potential cons to beware of: The main con is that Deserve only reports your and payments to TransUnion and Experian, two of the three major credit bureaus in the U.
It might be able to check your TransUnion or Experian credit history instead, but this could still delay or sideline your application. Sometimes, you can raise your line of credit after opening your card by making an additional deposit. Secured cards used to be one of the go-to options if you had limited credit history or bad credit. Although you can send your security deposit with a debit card, you can also use a money transfer or mail a money order or check.
What the card offers: When you use your card, your score will be reported your credit activity to all three major credit bureaus, and the monthly reporting can help you establish and build credit. Green Dot Bank is best known in the U. With prepaid cards, you load money into your and can then use the card to spend it—similar to a checking and debit card. However, you should still try to plan ahead and pay your balance in full whenever possible.
Plus, at the end of your first year, Discover doubles all the cash back you earned. Discover cards also may not be as widely accepted as cards that are part of the American Express, Visa or Mastercard networks—especially outside the U. But if you plan on frequently traveling, consider whether shops in your destination countries will take your card.
Credit history used to stop at the border—until now. Your existing international credit history could help you get credit in the United States. No SSN is required to start your credit history today. As a newcomer to the U. The nine cards above may be good options, but choosing the right one will depend on the card details and how you plan on using your credit card.
Here are a few features you should compare and consider as you look over the various credit card offers. The fees: Credit cards can have a variety of fees, including an annual fee that you have to pay to keep the open. Additionally, look for usage-based fees, such as foreign transaction fees or cash advance fees. If you pay your bill in full by the due date, you keep your grace period and never pay interest on your purchases.
The best rewards cards often require excellent credit and may have an annual fee. However, some of the cards above have good rewards programs that you can use to earn cash back. Many rewards credit cards also have an intro offer. This -up bonus can give you big rewards after making a certain amount of purchases within an introductory period.
The intro offers can change over time and from one card to another. If you have large purchases coming up, you could also look for a card that has an intro APR offer. These offers let you make purchases with the card but pay no interest during the introductory period, which generally lasts 12 to 18 months. But have a plan for paying off the balance before the promotional interest rate ends. The cardholder benefits: Many credit cards offer benefits to cardholders simply for having and using the credit card. These can range from elite status in hotel loyalty programs and access to airport lounges to protections when you use the card for certain purchases.
Most credit cards also come with zero liability for unauthorized purchases. Getting a credit card can help you establish your credit profile in the U. Try to use your credit card for a small purchase each month. People who are focused on building their credit, rather than earning rewards, sometimes use their card to automatically pay for an inexpensive subscription service.
Using a small portion of your available credit limit can help improve your credit scores. In contrast, maxing out your card using the entire credit limit may hurt your scores. A helpful rule of thumb is to only make purchases that add up to one third of your credit limit. Try to pay off your credit card bill in full each month. As you learn more about credit and discover the different types of credit scores in the U. However, these three basic steps will set you on the path to responsible card use.
Access your free international credit report to see which U. No SSN required. Credit Cards for International Students. Credit Cards to Build Credit. How to use your international credit report to get credit in the U. Home Resources Great credit cards for people with no credit history . Advertiser Disclosure. Building Credit. Managing your money. Nova Credit enables U. S newcomers to apply for a credit card with no credit history in the U.
S If you are a newcomer to the U. Important Note applies for all American Express cards : On the American Express application , you will have the option to click "I don't have credit history in the U. Now, you have a new option thanks to a partnership between American Express and Nova Credit.
Terms Apply. Featured credit card picks if you have no credit history whatsoever A few card issuers use alternative methods to review credit card applications. Did you know? You can use your international credit history to apply for a U. Learn More. Moved to the U. Apply for U. Select your country.No credit card offers
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Credit cards for no credit