Credit Cards, Insights

Best International Credit Cards for Students in 2022

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Studying abroad is an amazing experience. You get to learn about a new culture, make new friends, and see the world. However, one of the challenges of studying abroad is dealing with finances. How do you access your funds? What are the best ways to pay for expenses? One option is to use a international credit card for students. This type of card can be used anywhere in the world and comes with a variety of benefits. In this blog post, we will discuss the best international credit cards for students and provide you with all the information you need to make an informed decision!

What Are International Credit Cards?

International credit cards are essentially the same as regular credit cards, but they can be used to make purchases in foreign countries. This can be extremely helpful for students who are studying abroad, since it allows them to avoid having to carry large amounts of cash with them.

There are a few things that you should keep in mind if you’re considering getting an international credit card. First, you’ll need to make sure that the card is accepted in the country where you’ll be using it. Second, you’ll need to be aware of any fees associated with using the card overseas. And finally, you’ll want to make sure that you have a good understanding of the exchange rate before making any big purchases.

What Are The Different Types of International Credit Cards for Students?

There are four main types of international credit cards for students:

Standard International Credit Cards

These are the most common type of international credit card. They typically have low interest rates and annual fees, and offer a variety of rewards programs.

Prepaid International Credit Cards

These cards are loaded with a fixed amount of money that can be used to make purchases anywhere in the world. They’re a good option for students who want to avoid debt, but they don’t offer many perks or rewards.

Secured International Credit Cards

These cards require a security deposit, which is usually equal to your credit limit. They’re a good option for students with limited or no credit history.

Co-branded International Credit Cards

These cards are offered by partnership between a credit card issuer and a specific airline, hotel, or other brand. They usually come with special perks and rewards programs tailored to that brand. For example, the British Airways Visa Signature Card offers earn Avios points on every purchase that can be redeemed for flight upgrades, hotel stays, and more.

Which International Credit Card is Best for Students?

There is no one-size-fits-all answer to this question. The best international credit card for students depends on factors like where you’ll be using it, your spending habits, and whether you want to avoid debt. That said, here are a few of our top picks:

For students who want a standard international credit card with low interest rates and annual fees, we recommend the Citi Simplicity Card. This card has no late fees or penalty APRs, and offers a 0% intro APR on purchases and balance transfers for 21 months (then 17.24% – 26.24% Variable).

For students who want a prepaid international credit card with no interest or debt, we recommend the Netspend Visa Prepaid Card. This card can be used anywhere Visa is accepted, and you can load it with money through direct deposit, bank transfers, or cash reloads at participating retailers. Plus, there are no credit checks required to get approved.

For students who want a secured international credit card to build their credit history, we recommend the Capital One Secured Mastercard. This card requires a security deposit of $49, $99, or $200 (depending on your creditworthiness), and offers a 23.24% Variable APR. Plus, you’ll get access to a higher credit limit after making your first five monthly payments on time.

Finally, for students who want a co-branded international credit card with special perks and rewards, we recommend the British Airways Visa Signature Card. This card offers earn Avios points on every purchase that can be redeemed for flight upgrades, hotel stays, and more. Plus, you’ll get a free checked bag when you fly British Airways, and there’s no foreign transaction fee.

What Are The Benefits of Getting an International Credit Card for Students?

There are plenty of benefits that come with getting an international credit card for students. For one, it can help you build your credit history.

Additionally, having an international credit card can give you a sense of financial independence and responsibility. It can also come in handy when you travel abroad, as you’ll have access to emergency cash and assistance if needed.

Finally, many international cards offer great rewards programs, so you can earn points or cash back on your purchases.

If you’re a student who is looking for a way to build credit and enjoy some perks and rewards, then an international credit card may be the right choice for you. Just be sure to do your research and compare offers before choosing one that’s right for you.

How Many International Credit Cards Should Students Have?

Ideally, students should have at least one international credit card. This will allow them to make purchases and withdrawals while abroad. Additionally, having an international credit card will give students access to emergency funds in case of a financial emergency.

There are a few things to consider when choosing an international credit card for students. First, it is important to find a card with low interest rates and no annual fees. Second, the card should have a high credit limit so that students can use it for large purchases. Finally, the card should offer rewards or cash back on purchases so that students can save money while they travel.

What Credit Limit Do International Credit Cards for Students Have?

Most international credit cards for students have a credit limit of $500. However, some international student credit cards may have a higher credit limit of up to $1000.

How Do International Credit Cards for Students Work?

International credit cards for students work the same way as regular credit cards. The main difference is that international student credit cards are specifically designed for students who are studying abroad.

Do International Credit Cards for Students Report to The Three Major Credit Bureaus?

The answer is “no.” International credit cards for students do not report to the three major credit bureaus. However, they may report to other international agencies.

What this means for you as a student is that if you’re looking to build your credit history, you’ll need to get a traditional credit card that reports to the three major credit bureaus. There are plenty of great options out there. Just make sure you do your research before you apply.

The good news is that even though international credit cards for students don’t report to the three major credit bureaus, they can still be a great way to build your credit. Just use them responsibly and make sure you pay your bill on time every month. If you do that, you’ll be well on your way to building a strong credit history.

What is The Best Way to Use an International Credit Card?

The best way to use international credit cards is by using them for their intended purpose, which is to make international purchases. By using your international credit card for its intended purpose, you can avoid paying high interest rates and fees. Additionally, you can also earn rewards points that can be used for future travel.

Do The Best International Credit Cards International for Students Have Any Annual Fees?

The short answer is no, the best international credit cards for students do not have any annual fees. The reason why is because these cards are designed for people who are studying abroad or living internationally. Therefore, the companies that offer these cards want to encourage people to use them as much as possible.

There may be some international credit cards for students that have annual fees, but they are definitely not the norm. If you come across a card that has an annual fee, make sure to do your research to see if it’s worth it before signing up. Otherwise, you should be able to find a great international credit card for students without having to pay any annual fees.

Do The Best International Credit Cards International for Students Have Rewards Programs?

The best international credit cards for students usually offer great rewards programs. These programs can help you save money on travel and other expenses. Some of the best international credit cards for students also offer cash back or points that can be used for travel. Be sure to compare the different rewards programs before you choose an international credit card for your studies abroad.

What Are The Best International Credit Cards For Students Who Travel A Lot?

If you are a student who travels often, you will want to find an international credit card that has no foreign transaction fees. This way, you can avoid paying extra charges when you use your card abroad. You may also want to look for a card that offers travel insurance benefits. This can protect you in case of lost luggage or other problems while you are away from home.

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Do The Best International Credit Cards International for Students Offer 0% APR?

Yes, many international credit cards for students offer 0% APR on purchases made within the first few months of opening an account. This can be a great way to save money on interest charges while you’re studying abroad. However, it’s important to read the fine print carefully before signing up for any credit card. Some cards may have hidden fees or other catches that can negate the benefits of a 0% APR offer.

Do The Best International Credit Cards International for Students Come With Sign-Up Bonuses?

The best international credit cards for students come with sign-up bonuses, and many of them offer other perks like cash back or points that can be redeemed for travel. However, it’s important to remember that these cards usually have higher interest rates than regular credit cards, so it’s important to pay off your balance in full each month.          

Best International Credit Cards International for Students With Bad Credit

International credit cards for students offer a great way to get started with building credit. If you have bad credit, international credit cards for students can help you improve your credit score. Here are the best international credit cards for students with bad credit:

Capital One® Platinum Credit Card

This card has no annual fee and a decent APR if you make your payments on time. It also offers a rewards program that gives you points for every purchase you make.

Discover it® Secured Card

This is a great option if you need to rebuild your credit because it offers cash back rewards and no annual fee. The only downside is that you need to put down a security deposit equal to your desired credit limit.

Wells Fargo Platinum Visa® Card

This card has no annual fee and a 0% APR for the first 18 months. After that, the APR goes up to a variable rate of 13.99%-23.99%. It also offers cash back rewards and cell phone protection.

Citi® Secured Mastercard®

This is another good option if you need to rebuild your credit because it has no annual fee and a fairly low APR. The only downside is that you need to put down a security deposit equal to your desired credit limit.

International credit cards for students can be a great way to build your credit, but make sure you compare different options before you decide which one is right for you.

Best International Credit Cards International for Students With No Credit History

If you have no credit history, you’ll likely need to look for a student credit card that doesn’t require a cosigner. Some international student credit cards will consider your income and employment history as part of the application process. If you don’t have any work experience, don’t worry – there are plenty of great international student credit cards out there that don’t require any!

Here are our top picks for international student credit cards with no credit history required:

The Discover it® Student Cash Back card offers excellent cash back rewards on everyday purchases and has no annual fee. Plus, it comes with a 0% APR introductory offer for the first six months (then 14.49% – 24.49% Variable).

The Capital One® Platinum Credit Card has no annual fee and offers a 0% APR on purchases and balance transfers for the first 15 months (then 17.99% – 26.99% Variable).

The Citi® Secured Mastercard® is a great option for international students with bad or no credit as it requires a security deposit equal to your credit limit (minimum $200). Additionally, there’s no annual fee associated with this card. After making your initial deposit, you’ll enjoy an 18.49% variable APR on purchases and balance transfers.

Can an International Student Get An Amex Card?

The answer is yes! American Express offers a card called the ” international student gold card.” This card has no annual fee and comes with a number of benefits, including access to exclusive events and discounts. There are a few eligibility requirements, but if you can meet them, this is a great option for international students.

Is It Easy to Qualify for an International Credit Card?

Yes, if you are a student studying abroad, you likely already have the necessary qualifications. international credit cards for students typically have low credit limits and high interest rates. However, they can be a great way to build your credit history while enjoying the perks of having a credit card (such as cash back or travel rewards).

To qualify for an international credit card, you will need to meet the following criteria:

  • Be at least 18 years old
  • Have a valid passport
  • Be a student enrolled in an accredited university overseas
  • Have a bank account in good standing
  • Earn enough income to make monthly payments on time

If you meet all of the above criteria, then you should have no problem qualifying for an international credit card. The next step is to compare cards and find the one that best suits your needs.

What Is the Easiest International Credit Card for Students to Get?

There is no one “easy” international credit card for students to get. However, there are a few international student credit cards that are easier to qualify for than others.

Some of the easiest international credit cards for students to get include:

The Discover it® Student Cash Back card offers cash back rewards on everyday purchases and has no annual fee. Plus, it comes with a 0% APR introductory offer for the first six months (then 14.49% – 24.49% Variable).

The Capital One® Platinum Credit Card has no annual fee and offers a 0% APR on purchases and balance transfers for the first 15 months (then 17.99% – 26.99% Variable).

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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