How to get Credit Cards for non-U.S. citizens in 2022 (2023)

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Whether you’re temporarily moving to the U.S. for school or work, or making a long-term transition, you may be looking to open a new credit card. However, even for citizens and permanent residents, it can be difficult to get a credit card for a non-U.S. citizen if you don’t already have a credit history in the United States.

Here's the good news:you can now apply for an American Express card using your international credit history from selected countries.This is one reason American Express cards could be a good option. Another is that Amex reports to all three credit bureaus, so you should start building U.S. credit history when you're approved for a card and use it responsibly.

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A featured credit card for non-U.S. citizens pick from our partner for dining and travel: American Express® Gold Card

If you prefer dining out or are frequently on the road, theAmerican Express® Gold Cardhas rewards that will align with your usual spending. You’ll earn Membership Rewards points with your purchases, which you can redeem in a variety of ways, such as for cash back, gift cards, or to book travel. The options are usually using your points to book travel through American Express or transferring your points to airline or hotel loyalty programs.

How to apply with international credit history (applies to all Amex cards)

On the American Express application page, you will have the option to click "I don't have credit history in the U.S." in the Social Security Number (SSN)field of the application page. You can then also skip the SSN field. Amex will always check for your U.S credit first, but if they can not find a U.S. credit file they may enable you to transfer your international credit history as part of the application. This is available for newcomers from Canada, the UK, Australia, India or Mexico.

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What the card offers:The American Express® Gold Card stands out with its rewards rates on purchases:

  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout anddelivery in the U.S., and earn 4X Membership Rewards® points at U.S.supermarkets (on up to $25,000 per calendar year in purchases, then 1X).Earn 3X Membership Rewards® points on flights booked directly withairlines or on amextravel.com.

    (Video) How To Open a US Bank Account & Credit Card ONLINE For A Non-Resident (Without SSN)

  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and eachmonth automatically get $10 in Uber Cash for Uber Eats orders or Uber ridesin the U.S., totaling up to $120 per year.

  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statementcredits monthly when you pay with the American Express® Gold Card atGrubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and selectShake Shack locations. Enrollment required.

The card also doesn't have aforeign transaction fee.

Terms Apply.

Potential cons to beware of:There is a $250 annual fee if you want to have the American Express® Gold Card. There are other travel-focused rewards credit cards that offer a variety of perks with a much lower fee. However, for non-US citizens, these credit cards may be more difficult to qualify for unless you’ve already established credit in the US.

The statement credits can also be tricky with the American Express® Gold Card. For example, the $10 monthly restaurant credit is only valid at a few chain restaurants and it expires each month (i.e., you can’t save up for one large meal).

A featured credit card for non-U.S. citizens from our partner for high-end travelers: The Platinum Card® from American Express

ThePlatinum Card® from American Expressis one of the company’s most well-known cards and it was one of the first premium cards on the market. It still offers a suite of benefits that appeal to frequent travelers who want a more luxurious experience, but it also has a high $695 annual fee.

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What the card offers:Fitting for a travel-focused card, The Platinum Card® from American Express doesn’t have aforeign transaction fee. You can also earn five Membership Rewards points per dollar you spend when you use the card to book flights with the airline or through American Express Travel.

With this card, you’ll have access to The Centurion® Network, which includes 40+ Centurion Lounge and Studio locations worldwide. These benefits can make traveling much more pleasant and provide a relaxing place to work or unwind before and after flights.

The card also offers access to Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually; $200 in airline-fee statement credits per year; and $25 back on the Equinox+ digital fitness app or eligible Equinox club memberships every month.

Potential cons to beware of:The annual fee is the biggest con to watch out for. Even with the statement credits and perks, you might not get enough value out of the card to justify spending $695 each year.

As with the American Express® Gold Card, the statement credits can sometimes be tricky to use (and if you don’t use them you lose the credit). You’ll also earn Membership Rewards points with the card. There are many options for redeeming points, but it’s best to use your points to book travel or transfer your points to a partner program and book a rewards flight or hotel stay.

Terms Apply.

You can find a detailed overview about the pros and cons of the Amex Platinum Card in our review: Who should and who shouldn't get the American Express Platinum Card?

A featured credit card for non-U.S. citizens from our partner for family spending: Blue Cash Preferred® Card from American Express

American Express has several cash back credit cards, which you can use to earn cash back on a variety of purchases. In particular, the Blue Cash Preferred®Cardfrom American Express offers bonus cash back earnings in categories that could appeal to younger adults and families.

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What the card offers:The Blue Cash Preferred®Card from American Express has a $0 intro annual fee for the first year, then $95 annual fee. Some of the benefits include:

  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

    (Video) How to get US Credit Cards, Get Points and Build US Credit as non American

  • $0 intro annual fee for the first year, then $95.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74%-28.74%.

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 6% Cash Back on select U.S. streaming subscriptions.

  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

  • 1% Cash Back on other purchases.

  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.

  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply.

The card offers one of the highest earnings rates at supermarkets, making it a good pick for individuals or families who frequently purchase lots of groceries. If you’re amongst the many people who prefer streaming services to traditional cable or satellite TV, the streaming service bonus category is also appealing.

Potential cons to beware of:The annual spending cap that applies to cash back at U.S. supermarkets may be limiting for large families. The card’s 2.7%foreign transaction fee could also be off-putting if you want to use the same card in and outside the U.S.

Also, be aware of the limitations on what counts as a supermarket. Specialty markets, such as a wine shop or butcher, might not qualify, and superstores (such as Target) or warehouse clubs (like Costco) aren’t part of this category.

A featured credit card for non-U.S. citizens who are young professionals without credit history: Jasper / CreditStacks Mastercard

CreditStacks was founded in 2015 and offers just one credit card and rebranded to become the Jasper Card. This credit card is created specifically for professionals who are relocating to the U.S.

What the card offers:TheJasper Cardwill have a credit limit of up to $5,000, no annual fee, and doesn’t charge foreign transaction fees. It also comes with Mastercard cardholder benefits, including travel and mobile phone insurance.

One of the potentially most appealing factors is that you can get approved for the card up to 60 days before you move to the U.S. As a result, you’ll be able to move knowing you have a card available to help you buy whatever you need during and after the transition.

You can apply without an SSN, but you will need to provide your passport, visa information and proof of U.S. employment. After you obtain your SSN, you have to provide it to Jasper within 60 days of card activation.

Jasper recently launched cash back earnings of up to 6% if you refer friends successfully to Jasper. You start with 1% cash back and get an extra 0.5% for a full year for every friend you bring on board. You'll receive your cash back automatically every month as a statement credit after three on time payments. You can earn cash back as long as your account is in good standing. If your account is past due, cash back will be locked. Also, note that your cash back maximum varies based on your credit limit. You can learn more about their cash back terms and other fees in their disclosures.

While revolving a balance can still be expensive, the Jasper card has a lower APR than some other cards for people who don’t have credit in the U.S.

(Video) I got a credit card approved without an SSN number #greencard #uscis #usimmigration #immigration

Potential cons to beware of:You can’t earn other meaningful rewards with the Jasper Mastercard, which may make it less appealing than other premium credit cards mentioned in this article that could be available to some newcomers. Jasper also only reports your account and payment information to Equifax, and having the card won’t help you build a credit history with TransUnion or Experian.

A featured credit card for non-U.S. citizens from our partners for international undergraduate students: Deserve® Edu Mastercard for Students

Deserve, originally named SelfScore, was founded to help international students get a credit card while in the US The company now offers three different credit cards, including two cards that don’t require a Social Security number or credit history to qualify for.We have a more in-depth article on credit cards for international students here.

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What the card offers:TheDeserve® Edu Mastercard for Studentscould be a good fit for international students studying in the US You don’t need to have a Social Security number or US credit history to qualify (although, if you do, it will be considered). Instead, you can link your bank account during the application process and Deserve will analyze your financial history to determine if you qualify for the card and your credit limit.

Cardholders will be eligible for a variety ofperks, such as discounted renters insurance, free cell phone insurance and a lifetime total $59 reimbursement to cover the annual cost of Amazon Prime Student.

The Deserve® Edu Mastercard for Students doesn’t have an annual fee or foreign transaction fees that some cards charge on purchases made outside the U.S. or in non-U.S. Dollars. You’ll also earn 1 percent cash back on all your eligible purchases.

Potential cons to beware of:The Deserve® Edu Mastercard for Students has a high annual percentage rate (APR). The APR can help you understand the annual cost carrying a balance based on your card’s interest rate.

If you pay your bill in full each month, the interest rate won’t be applied to your balance. However, if you think you may make large purchases and then take several months to pay off the balance, you might wind up paying a lot of interest based on your APR and a different card could be a better fit.

Deserve will also only report your account and payments to two of the major three US credit bureaus, TransUnion and Experian. As a result, you won’t establish or build your credit history with Equifax. If you apply for a loan or different credit card in the future and the company wants to review your Equifax credit report and a credit score based on that report, it might not find anything, and you might not be able to get approved.

A featured credit card for non-U.S. citizens for international graduate students: Discover® it Secured

Discover doesn’t have as much of an international presence as Visa, Mastercard, or American Express, but most major retailers and online stores will accept it in the U.S. The Discover® it Secured is a secured credit card perfect for new immigrants, a type of card that’s created for people who have a poor or no credit history and want to build or rebuild their credit. Secured cards work just like unsecured cards, but require a refundable security deposit when you open the account.

What the card offers:TheDiscover® it Secured Cardis one of the few secured cards that’s part of a rewards program. You can earn 2 percent cash back on your first $1,000 worth of combined purchases at gas stations and restaurants each quarter, and earn 1 percent cash back on all other purchases. Discover will also double your cash back earnings at the end of the first year.

The card doesn’t have an annual fee or foreign transaction fee. Discover also reports your payments to all three major credit bureaus and can send you a free FICO® Score based on your TransUnion credit report with your monthly statement, allowing you to track your credit score over time.

Potential cons to beware of:As with other secured credit cards, you’ll need to make a refundable security deposit to open your card account. The card’s credit limit will be equal to your security deposit (e.g., a $500 security deposit means your account will have a $500 credit limit). Once you’ve built your credit history in the US, you may qualify for an unsecured credit card for new immigrants. You’ll get your refundable security deposit back when you close this card account (assuming you’ve paid off your credit card bills).

You’ll also need a bank account and Social Security number to apply. You may be able (and required) to get a Social Security numberif you’re eligible to workat your university or off-campus with the school’s approval.

As with other rewards and secured credit cards, the Discover® it Secured Card has a high APR, which can make revolving a balance especially expensive.

Another option: ask your current card issuer or employer

You may have years of credit experience in your home country, or be moving to the U.S. with a high-paying job lined up. Your current financial relationships and employer may be able to help you get approved for a new card in the states.

Several card issuers and banks, including American Express, BNP Paribas, Citi, and HSBC have transfer programs for their relocating customers. Additionally, some employers in the U.S. have relationships with local credit unions or banks. You could ask your company’s human resources department, or whoever is helping you with the relocation, about options.

If you don’t currently have a credit card and there aren’t any employer-based options, consider one of the non-student-specific cards listed above.

How to get a credit card without a Social Security number

Many credit card applications will ask you for a Social Security Number (SSN). However, youdon’t necessarily need an SSN to complete an application or qualify for a credit card as anon-U.S. citizen.

(Video) Top 5 Beginner Credit Cards for Internationals in the US

Some issuers, such as Deserve and CreditStacks, are very clear about being able to apply without an SSN. As mentioned above, American Express enables it as long as you can apply with international credit history from select countries. Other major card issuers may also let you apply using a non-US passport or another form of government identification to verify your identity.

If you’re not eligible for a SSN, you may be eligible for an Individual Tax Identification Numbers (ITINs). For example, if you received a taxable scholarship you’ll need an ITIN to file your United States tax return. Depending on the card issuer, you may be able to use anIndividual Tax Identification Numbers(ITIN) rather than a SSN during the application process.

Even if you don’t have a SSN, you can still build credit in the U.S. if you have a credit card, loan, or another credit account that’s reported to the credit bureaus.

The major credit bureaus can use your name, address, and other identifying information to create a credit profile and tie your accounts to your credit reports. Your credit profile can also be tied to your SSN if you get one in the future.

As an alternative to a credit card, you may be able to get a prepaid card and use it like a credit card. However, prepaid card issuers won’t report your account information to the credit bureaus and having a prepaid card won’t help you build your credit history.

How to use your new credit card responsibly

There are many reasons to want a credit card as a non-U.S. citizen. Perhaps you want to be able to easily shop online, you’re building credit in the U.S., or you’re planning on making a large purchase and paying it off over time. You might just want a line of credit in your pocket as a backup in case of an emergency.

Whatever your reason for getting a card, responsible and proper card use can help save you money and improve your credit profile. Here are a few simple tips to remember:

  • If you can, pay off your balance in full each month to avoid paying interest. And don’t worry, you don’t need to carry a balance to build credit (that’s a myth).

  • Even if you can’t pay the monthly bill in full, be sure to always make at least your minimum monthly payment. This will help you avoid late payment fees and negative marks on your credit reports, which can hurt your credit scores.

  • Read your credit card’s terms and agreements pages, which will list the card’s fees, APR, and details about its rewards programs.

  • Using a large portion of your available credit line can hurt your credit scores, even if you pay off the balance each month. If you’re focused on improving your scores, try to only use a small portion of your credit line or making early payments and bringing down the card’s balance before the end of each monthly statement period.

As you can see– though it takes some research, it is entirely possible for a non-US citizen to get a US credit card!

More from Nova Credit:

  • Credit Cards for No Credit

  • Credit Cards for International Students

  • Credit Cards Without SSN

  • Credit Cards to Build Credit

  • How to Build Credit

  • How to use your international credit report to get credit in the U.S

    (Video) Top 4 International Virtual Cards 2022 | How To Get a Free Virtual Card Without Any Bank Account

FAQs

Can I get a credit card if I'm not a US citizen? ›

You don't need to be a U.S. citizen to qualify for a credit card in the U.S. However, credit card companies must verify your identity, and some companies choose to only offer cards to U.S. citizens or permanent residents who have a Social Security number (SSN).

How can a foreigner get a US credit card? ›

To get a U.S. credit card, you'll need to apply for the card directly. Several major banks offer credit cards for foreigners. It helps if you already have U.S. or international credit history. Most credit card companies will require that you have a bank account, a job and proof of income.

What is the easiest credit card to get instant approval? ›

The Best Instant Approval Credit Cards in 2022 [Some Will Show Card Numbers To You, Instantly]
  • American Express.
  • Chase (Use Their “Spend Instantly” Feature)
  • Bank of America.
  • Capital One.
  • Citi.
  • First National Bank of Omaha.
  • USAA.
9 Nov 2022

Which bank gives credit card easily? ›

1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership.

How can I get a credit card without SSN and ITIN number? ›

You can get a credit card without an ITIN or SSN by applying for cards from American Express and Bank of America, which accept other forms of identification, like a passport, instead of an SSN or ITIN. Some Citibank cards also allow you to apply with a passport.

What card can I get with no SSN? ›

The two most popular card issuers for applicants without an SSN are American Express and Citibank. These issuers also both offer cards outside the U.S. and if you have an open account with either issuer in another country, your foreign credit activity will be considered.

How do I get a USA virtual credit card? ›

Following are the steps to get a virtual credit card:
  1. Step 1) Get a Credit card.
  2. Step 2) Log into your credit card account online and go to its settings.
  3. Step 3) Download the virtual card issuer's app if needed and log into the app.
  4. Step 4) Search for a Virtual credit card and access the card number.

What is black credit card in USA? ›

Premium luxury credit cards, or “black cards,” are the most exclusive credit cards on the market.

Do immigrants get credit cards? ›

No federal law prohibits an undocumented immigrant from getting a credit card in the U.S., Applebaum explains. Based on their corporate practices, some credit card issuers require an applicant to provide a Social Security number.

What credit cards does everyone get approved for? ›

Easiest Credit Cards to Get Approved for in 2022
  • OpenSky® Secured Visa® Credit Card.
  • Petal® 2 Visa® Credit Card.
  • The First Progress Platinum Elite Mastercard® Secured Credit Card.
  • Bank of America® Customized Cash Rewards Credit Card for Students.
  • Credit One Bank® Platinum Visa® for Rebuilding Credit.
3 days ago

How can I get approved for a credit card without a deposit? ›

If you have limited credit history or no credit history, there are several ways to get a credit card with no deposit.
  1. Authorized users on someone else's credit card don't require a deposit. ...
  2. Student credit cards with no down payment are accessible. ...
  3. Secured credit cards may be an alternative to no-deposit credit cards.
21 Sept 2022

How can I build credit if I can't get approved for a credit card? ›

8 ways to build credit without a credit card
  1. Get a credit builder loan. ...
  2. Apply for a personal loan. ...
  3. Consider a car loan. ...
  4. Repay an existing loan. ...
  5. Report alternate payments. ...
  6. Apply for a secured credit card. ...
  7. Become an authorized user. ...
  8. Rent and utility payments.
30 Jun 2022

What is the easiest credit account to get? ›

If you're looking for easy approval, there are a few types of cards you should check out. These include secured cards (for no credit history), unsecured cards (for bad to fair credit), student cards (for no or fair credit) and store cards (for fair credit).

How can I get credit card approval fast? ›

Here's how to get a credit card fast:
  1. Apply online. This is the fastest way to get your application to the issuer.
  2. Apply for cards below your range. ...
  3. Check for preapproval. ...
  4. Look for instant use cards. ...
  5. Request expedited shipping. ...
  6. Call the issuer.

What is the easiest card to get with no credit? ›

Best Credit Cards for No Credit History: Top Picks for 2022
  • Capital One Platinum Secured Credit Card: Best for accessing higher credit line.
  • Discover it® Student Cash Back: Best for rotating cash back bonus categories.
  • Capital One Quicksilver Secured Cash Rewards Credit Card: Best secured card for flat-rate rewards.
16 Nov 2022

How can I get a free credit card without proof of income? ›

How to Apply for a Credit Credit without Income or Salary Proof?
  1. Student Credit Card. ...
  2. Secured Credit Card against Fixed Deposit. ...
  3. Secured Credit Card against Mutual Funds. ...
  4. An account with Sufficient Balance. ...
  5. Add-On Card. ...
  6. Joint Credit Card. ...
  7. Bank Account. ...
  8. Good Credit Score & Credit History.
1 Feb 2022

Can I get a Chase credit card without SSN? ›

While you should be sure to arrange with the cardholder any details about how you will use the card and how you will pay for any charges you make on the card, becoming an authorized user is a simpler way to have access to credit without a Social Security Number, ITIN, or credit score.

Can you build us credit without SSN? ›

Building credit without a Social Security number can be quite difficult, but it isn't impossible. Credit card issuers can't require you to provide a Social Security number. Instead, many credit card issuers ask for an individual taxpayer identification number (ITIN).

Can I apply for Apple card without SSN? ›

Yes, you can obtain an Apple Card MasterCard with an ITIN. You do not need a Social Security number and in the requirements muguy listed, you'll notice a Social Security number is not a requirement. Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

What bank gives you instant virtual card? ›

With U.S. Bank Instant Card® you can extend a temporary virtual credit card to anyone in your organization, anywhere, instantly and keep your operations moving.

Which banks offer virtual credit cards? ›

Currently, 2 major issuers offer a complete virtual credit card solution for personal cards: Citi and Capital One (via Eno). Other issuers, including American Express, Chase, and Discover, may offer similar solutions, but these aren't exactly the same as virtual credit cards.

Can I create virtual credit card? ›

A virtual payment card, sometimes called a temporary card number or pseudo card number, is a credit or debit card number can be created through a website or mobile app and does not come with a physical card. Virtual payment cards can be utilized for most online purchases.

How much money do you need for a black card? ›

The Black Card has a hefty $10,000 initiation fee, a $5,000 annual fee, and offers many travel perks. The Platinum Card has a $695 annual fee with many travel-related perks, and cardholders can earn points for every dollar spent. Besides the Black and Platinum Cards, American Express offers a line of 17 other cards.

What's higher than a black card? ›

The most prestigious credit cards are the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card, and the Citi Chairman Card because all 3 cards are invitation-only. In addition, all 3 cards require applicants to meet high income and/or spending standards for approval.

What is the highest credit card color? ›

Some providers may choose to use a hierarchy of colours with credit cards, such as (in descending order based on benefits and, potentially, cost): titanium, diamond, black. platinum. gold or silver.

Can illegals get credit cards? ›

Offering credit to undocumented immigrants is controversial, and some lenders may choose not to do so for that reason. But it's not illegal. There is no requirement that lenders verify a person's citizenship or immigration status before issuing them credit, or check their Social Security number.

How do immigrants get a credit score? ›

For immigrants, the easiest way to build a credit history is to go into a bank and ask if they offer a secured credit card. A secured credit card is a special type of credit card that is secured by collateral.

Does Capital One offer credit cards to immigrants? ›

With several great options to choose from, the best overall credit card for international students and immigrants is the Capital One Platinum Secured Credit Card. It has no annual fee and only requires an ITIN.

Does Citibank do instant approval? ›

Does Citibank offer instant approval? Yes, Citibank does offer instant approval on its credit cards, but only some of the time. Instant approval is always possible when applying for a Citibank credit card online, though getting approved for an account immediately is never guaranteed.

What is the easiest Amex card to get? ›

Easiest American Express Cards to Get
  • Blue Cash Everyday® Card from American Express.
  • The Amex EveryDay® Credit Card from American Express.
  • Delta SkyMiles® Blue American Express Card.
  • Hilton Honors American Express Card.

What is the minimum credit score for credit card approval? ›

There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.

Can I get approved for a Walmart credit card with no credit? ›

Can I get approved for a Walmart credit card with no credit? It may be difficult to qualify for a Walmart credit card with no credit. You won't be instantly eligible, since that requires a credit score of 640 or higher, but you could try applying online or in-store to see if an option is available.

Can I get approved for a credit card in one day? ›

Getting approved for a credit card can take as little as 60 seconds, once you fill out an online application and hit “submit.” However, it may take a few days, or even a few weeks, to receive an email from a card issuer that says whether you're approved or not.

Can I get a credit card from a bank I don't have an account with? ›

In fact, you don't need a checking account to have a credit card. However, it will probably make your life a whole lot easier. When you apply for a credit card, the bank will not ask for your banking information. It is up to you to ensure that your statement is paid on-time.

Why would I never be approved for a credit card? ›

You may be rejected for a variety of factors, such as having a low income, a short credit history or too much credit card debt.

How do I stop getting denied for a credit card? ›

Build your credit score

Keep your credit card balances as low as possible—or pay them off in full. Make your credit card payments on time, every time. Avoid unnecessary credit inquiries, and don't apply for too much new credit within a short period of time.

What credit cards will approve a 600 credit score? ›

Some of the best unsecured credit cards to get with a 600 credit score: Best for Credit Line Increases: Credit One Bank® Platinum Visa® for Rebuilding Credit. Best for No Upfront Fees: Milestone® Mastercard® - Less Than Perfect Credit Considered. Best for Pre-Approval: Indigo® Mastercard® for Less than Perfect Credit.

How can I get 800 credit fast? ›

How to Get an 800 Credit Score
  1. Pay Your Bills on Time, Every Time. Perhaps the best way to show lenders you're a responsible borrower is to pay your bills on time. ...
  2. Keep Your Credit Card Balances Low. ...
  3. Be Mindful of Your Credit History. ...
  4. Improve Your Credit Mix. ...
  5. Review Your Credit Reports.
12 Mar 2022

How do I get a 700 credit score from 500? ›

Pay all your dues on time and in full if you wish to increase your credit score from 500 to 700. Missing a repayment or failing to repay the debt will significantly impact your credit score.

How can I get 700 credit fast? ›

Here's what you need to do.
  1. Make every payment on time. ...
  2. Keep your credit utilization low. ...
  3. Don't close old accounts. ...
  4. Pay off credit card balances. ...
  5. Ask your card issuer to increase your limit. ...
  6. Use the authorized user strategy. ...
  7. Put your bill payments to work. ...
  8. Use a rent reporting company.
7 Nov 2022

What is instant approval credit? ›

An instant approval credit card provides applicants with an immediate decision on the status of their credit card application — whether it's an approval or a denial.

What are two requirements needed to obtain a credit card? ›

You're generally required to provide your legal name, birth date, address, Social Security number and annual income. Giving an issuer your Social Security number allows them to check your credit, which largely dictates whether or not you'll receive the card.

Which credit cards do not run credit check? ›

Best credit cards with no credit check
CardCredit CheckAnnual fee
Secured Sable ONE Credit CardNone$0
GO2bank™ Secured Visa® Credit CardNone$0
OpenSky® Secured Visa® Credit CardNone$35
Deserve® EDU Mastercard for StudentsNone$0
2 more rows
16 Nov 2022

Can internationals get credit cards? ›

Can International Students Get a Credit Card in the U.S.? The short answer is yes—but things can be a little difficult for international students. That's because when issuers consider credit applications—whether the applicant is from the U.S. or not—they will want to know about your credit and borrowing history.

Can you get American credit card without SSN? ›

Yes, it is possible to secure a U.S. credit card without an SSN. The easiest way, if you are eligible, is to apply for an ITIN, which is issued by the IRS for non-U.S. citizens who are authorized to work in the U.S. and/or who need to file a federal tax return.

Who is not eligible for a credit card? ›

You can't get a credit card if you're under 18, have too much debt, lack enough income, or have credit scores that are too low to meet the credit card issuer's requirements. And in most cases, if you don't have a Social Security number, you won't be able to apply.

What can disqualify you from getting a credit card? ›

Reasons you may be denied for a credit card
  • Insufficient credit history. If you have a short or nonexistent credit history, you may not qualify for a credit card. ...
  • Low income or unemployed. ...
  • Missed payments. ...
  • You're carrying debt. ...
  • Too many credit inquiries. ...
  • Don't meet age requirements. ...
  • There are errors on your credit report.

Which bank is best for international credit card? ›

List of Best Credit Cards for International Transactions 2022
  • Yes Bank First Exclusive Credit Card.
  • Kotak Privy League Signature Credit Card.
  • HDFC Bank Regalia Credit Card.
  • IDFC FIRST Select Credit Card.
  • American Express Platinum Card.
  • Citibank Prestige Credit Card.
  • Standard Chartered Ultimate Credit Card.
7 Nov 2022

Does immigration check credit history? ›

USCIS will consider an applicant's credit report, credit score, debts and other liabilities as a factor in determining whether the individual is likely to become a public charge. A good credit report is considered a positive factor while a bad credit report is considered a negative factor.

Does American Express accept ITIN? ›

Even if you are not from one of these countries, Amex still accepts ITINs as part of their applications. You do NOT need a Social Security Number to start your U.S. credit history.

Can you get credit card without job? ›

It isn't necessary to be employed to get a credit card. However, the Credit CARD Act of 2009 requires card issuers to consider your ability to repay any debt you incur with the account during the application process. In other words, not having a job won't stop you from getting approved, but not having any income might.

What do you do if you are denied credit? ›

If you were denied because of incorrect information in your credit report, get your credit report and dispute the errors that are in it. If you were denied because you have too many credit cards or too much outstanding debt, you can reapply after paying down your balances or closing some accounts.

Why do I get denied for every credit card? ›

Credit cards are often denied because the applicant's credit score is too low. Each credit card has a recommended credit score range—and if your credit score is not high enough to fall within that range, the lender might deny your credit card application.

How do you get approved for a good credit card? ›

How to Get Approved for a Credit Card
  1. Start Good Credit Habits Early. ...
  2. Know Your Credit Score. ...
  3. Keep Your Balance in Balance. ...
  4. Check Whether You're Pre-Approved. ...
  5. Understand That Building Credit Takes Time.
24 Nov 2020

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