Best Credit Cards For Non Us Citizens

Are you a non-US citizen looking for a credit card to match your needs and financial goals? You're not alone! With countless credit card options in the market, it can be a frustrating experience trying to find the perfect card catered towards non-US residents. Worry not, because Flik Eco has got your back! We've simplified your search and compiled a list of the best credit cards for non-US citizens, so you can get all the benefits without the hassle.

Requirements for Non-US Citizens to Get a Credit Card

Before diving into the best options available, it's essential to be aware of the requirements for non-US citizens to obtain a credit card in the United States. Typically, you'll need to meet the following criteria:

- A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

- A US bank account

- A US mailing address

- Proof of income or assets

- Good credit history (if any)

However, some credit card issuers offer alternatives for those who don't meet all of these requirements. Let's explore some of the best options for non-US citizens.

Best Overall: American Express Blue Cash Everyday Card

The American Express Blue Cash Everyday Card is an excellent option for non-US citizens, as it accepts applications from those with an ITIN. This card offers:

- No annual fee

- 3% cashback on US supermarket purchases (up to $6,000 per year), 2% cashback at US gas stations and select department stores, and 1% cashback on all other purchases

- A welcome bonus of $150 after spending $1,000 within the first three months

- 0% intro APR on purchases for 15 months

Best for Travel: Bank of America Travel Rewards Visa Card

If you're a non-US citizen who loves to travel, the Bank of America Travel Rewards Visa Card is an excellent choice. With this card, you'll enjoy:

- No annual fee and no foreign transaction fees

- A welcome bonus of 25,000 points (worth $250 in travel statement credits) after spending $1,000 within the first 90 days

- 1.5 points per $1 spent on all purchases, with no limit on points earned

- Points can be redeemed for statement credits to cover travel expenses like flights, hotels, rental cars, and more

Best for Business Owners: Capital One Spark Classic for Business

Non-US citizens who own a business should consider the Capital One Spark Classic for Business. It's an excellent card for building credit, and you can apply with an ITIN. The card offers:

- No annual fee

- 1% cashback on every purchase, with no limit on the amount you can earn

- Free employee cards with customizable spending limits

- No foreign transaction fees

Best for Students: Deserve EDU Mastercard for Students

International students can benefit from the Deserve EDU Mastercard for Students, which doesn't require a Social Security Number or credit history. This card offers:

- No annual fee

- 1% cashback on all purchases

- A free year of Amazon Prime Student (valued at $59) after spending $500 within the first three billing cycles

- No foreign transaction fees

- Cellphone protection up to $600 per claim

Best Credit Cards For Non Us Citizens Example:

Meet Ravi, an international student from India who recently moved to the United States for his graduate studies. Ravi doesn't have a Social Security Number or credit history, so he's struggling to find a credit card that accommodates his situation. After some research, Ravi discovers the Deserve EDU Mastercard for Students, which is tailored to international students like him. He successfully applies for this card and begins building his credit history while enjoying perks like cashback, Amazon Prime Student membership, and no foreign transaction fees.

Now that you know the best credit cards available for non-US citizens, you can choose the perfect card tailored to your lifestyle and goals. Whether you're a traveler, business owner, or student, you have plenty of options to make the most of your financial journey. Remember, your needs may change over time, so always stay informed and reassess to adapt. If you found this guide helpful, feel free to share it with friends and family, and make sure to explore all the valuable content available on Flik Eco!