Are you a non-U.S. citizen living in the United States? Have you been wondering which credit card might be the best fit for you? You're not alone! Credit cards offer numerous benefits, from earning rewards and building credit history to providing financial flexibility. However, selecting the right credit card can be overwhelming, especially when you're unsure about the eligibility requirements. In this guide, we'll explore some of the best credit card options available to non-U.S. citizens and outline the factors to consider when choosing the right card for your unique situation.
Best Credit Cards For Non U.S. Citizens Table of Contents
Understanding the Credit Card Application Process for Non-U.S. Citizens
Understanding the Credit Card Application Process for Non-U.S. Citizens
As a non-U.S. citizen, you'll face some challenges when trying to apply for a credit card, including:
- Limited credit history or no credit history
- Lack of a Social Security Number (SSN)
- Difficulty in proving your identity
Fortunately, times are changing, and several card issuers now accommodate non-U.S. citizens, like international students or expats, who may not have an SSN or existing credit history.
Best Credit Cards for Non-U.S. Citizens
When choosing a credit card, it's important to consider the fees, interest rates, rewards, and perks the card offers. Here are some of the best options available to non-U.S. citizens:
Discover it® Secured Credit Card
- No annual fee
- 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases per quarter
- 1% cash back on all other purchases
- Account review after 8 months to potentially graduate to an unsecured card
Deserve® Pro Mastercard
- No annual fee
- 3% cash back on travel and entertainment
- 2% cash back at restaurants
- 1% cash back on all other purchases
- No SSN required for international students
Capital One Platinum Secured Credit Card
- No annual fee
- Minimum security deposit of $49, $99, or $200
- Access to a higher credit line after six months of on-time payments
- Auto rental insurance, travel assistance, and extended warranties on purchases
Best Credit Cards For Non U.S. Citizens Example:
Imagine you're an international student studying in the U.S. for four years and want a credit card to help build your credit. Since you're an avid traveler and enjoy dining out with friends, the Deserve® Pro Mastercard may be a great option for you. As an international student, you won't need an SSN to apply, and you'll earn 3% cash back on travel and entertainment, 2% cash back at restaurants, and 1% cash back on all other purchases. Plus, you'll enjoy the convenience of no annual fee.
Navigating the world of credit cards as a non-U.S. citizen can feel daunting, but armed with the right information, you can successfully find the perfect card to fit your needs. By understanding the eligibility requirements and exploring the best credit card options for non-U.S. citizens outlined in this article, you can make an informed decision and start reaping the benefits of your new card. If you found this guide helpful, don't forget to share it with fellow international friends and explore the other personal finance resources available on Flik Eco. Happy card hunting!
