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05 Best Credit Cards for International Students 2023

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Studying in the United States can be an exhilarating experience for international students. However, navigating the American financial system, especially when it comes to credit cards, can be a bit tricky. Not all international students qualify for their own credit card account, and the requirements can vary significantly among credit card companies.

Credit Card Eligibility 

Most credit cards in the United States are only available to foreign students who possess either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN). These are typically the primary identifiers that U.S. citizens and permanent residents use to apply for credit. However, many international students do not have these identification numbers.

Best Credit Cards for International Students

Here are some credit card options that cater to international students, with varying requirements and benefits:

1. Discover it Student Cash Back

  • Annual Fee: $0
  • Purchase Intro APR: 0% for 6 months
  • Regular APR: 18.24% – 27.24% Variable
  • Minimum Credit: LIMITED HISTORY

The Discover it Student Cash Back card is an excellent choice for students with limited credit history or no credit score. It offers 5% cash back on up to $1,500 spent per quarter in bonus categories that change, making it a valuable choice. Discover also doubles cardholders’ first-year rewards earnings after the first account anniversary.

2. Capital One SavorOne Student Cash Rewards Credit Card

  • Annual Fee: $0
  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 19.99% – 29.99% (V)
  • Minimum Credit: LIMITED HISTORY

The Capital One SavorOne Student Cash Rewards Credit Card is perfect for foodies and entertainment enthusiasts on a limited budget. Along with a $0 annual fee, it offers a $200 initial bonus for spending $500 within 3 months of opening an account and rich cash rewards.

3. Capital One VentureOne Rewards Credit Card

  • Annual Fee: $0
  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 19.99% – 29.99% (V)
  • Minimum Credit: GOOD

The Capital One VentureOne Rewards Credit Card is ideal for those who don’t spend enough to justify an annual fee. It offers 20,000 miles as an initial bonus for spending $500 in the first 3 months, along with an ongoing earning rate of 1.25 miles per $1 on most purchases.

4. Capital One Quicksilver Cash Rewards Credit Card

  • Annual Fee: $0
  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 19.99% – 29.99% (V)
  • Minimum Credit: GOOD

The Capital One Quicksilver Cash Rewards Credit Card is a great everyday rewards card for individuals with good credit. It features a $0 annual fee, an introductory APR of 0% for 15 months, and rewards of 1.5 – 5% cash back on purchases.

5. Bank of America Customized Cash Rewards Credit Card for Students

  • Annual Fee: $0
  • Purchase Intro APR: 0% for 15 billing cycles
  • Regular APR: 18.24% – 28.24% Variable
  • Minimum Credit: EXCELLENT

The Bank of America Customized Cash Rewards Credit Card for Students is tailored to students with excellent credit. It offers bonus rewards on purchases from grocery stores and wholesale clubs, along with a $0 annual fee.

FAQs About Credit Cards for International Students

Do I need a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to get a credit card as an international student?

Most credit cards in the United States require an SSN or ITIN for approval. However, there are credit cards specifically designed for international students that may have more lenient requirements, such as accepting a passport and student ID as identification.

What is the advantage of having a credit card as an international student?

Having a credit card can provide several advantages, including building a credit history in the United States, which is important for future financial opportunities. It also offers convenience for making purchases, handling emergencies, and may come with rewards or benefits.

Can I apply for multiple credit cards as an international student?

You can apply for multiple credit cards, but it’s essential to manage them responsibly. Applying for several cards in a short period can temporarily lower your credit score. Be sure to only apply for cards that align with your financial needs and spending habits.

How can I build and maintain a good credit score?

To build and maintain a good credit score, pay your bills on time, keep your credit utilization low, and avoid carrying high balances. Also, monitor your credit report regularly for accuracy and address any errors promptly.

Are there credit cards for international students that offer travel rewards?

Yes, some credit cards designed for international students may offer travel rewards, such as miles or points, which can be redeemed for flights, hotels, or other travel-related expenses. These cards can be a great choice if you plan to travel while studying in the U.S.

Do credit cards for international students have foreign transaction fees?

Not all credit cards for international students have foreign transaction fees. Some cards are specifically designed to be travel-friendly and do not charge these fees. Be sure to check the terms and conditions of the card you’re interested in to understand its fee structure.

Can I apply for a credit card with limited or no credit history?

Yes, there are credit cards specifically designed for individuals with limited or no credit history, including international students. These cards often have more relaxed credit requirements and can help you start building credit.

What should I do if my credit card application is denied?

If your credit card application is denied, don’t worry. You can take steps to improve your credit profile by paying bills on time, reducing outstanding debt, and building a positive credit history. Additionally, you can explore secured credit cards as an option to get started with credit building.


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