Best Credit Cards for International Students and Professionals

Are you an international student or professional wondering which credit card is best for your new life in the U.S.? With so many options available, finding the right card that fits your unique needs can feel overwhelming. Whether you’re looking to build credit, earn rewards, or avoid hefty fees, the right credit card can set you on the path to financial success.

However, finding the right card can feel like searching for a needle in a haystack. Luckily, 2024 brings some stellar options that cater specifically to the unique needs of international students and professionals.

Best Credit Cards of 2024

1. Zolve No-Deposit Credit Card: A Game-Changer for International Students and Professionals

When it comes to credit cards for international students and professionals, Zolve’s No-Deposit Credit Card shines brightly. Unlike many traditional cards that require a U.S. credit history or a hefty security deposit, Zolve makes the process hassle-free.

This card is designed to offer immediate access to credit without requiring you to have a prior U.S. credit score, which is a common barrier for newcomers.

Here’s why Zolve is a top contender:

No SSN or U.S. Credit History Required: Zolve recognizes the challenges international students and professionals face when trying to access credit. That’s why they don’t require an SSN or U.S. credit history to apply. You can get started with your passport and visa details, making the process smooth and accessible.
Instant Approval: Zolve’s application process is fast and simple. Once your documents are verified, you can get instant approval and start using your virtual card immediately. It’s perfect for anyone who needs quick access to credit upon arriving in the U.S.
High Credit Limits: Unlike some other starter cards, Zolve offers generous credit limits, making it easier to manage larger expenses, whether it's purchasing a laptop for school or covering rent payments.
No Annual Fees: One of the standout features of Zolve is the absence of annual fees. For international students and professionals trying to manage a tight budget, this can be a major advantage. You get access to credit without the worry of hidden costs eating into your finances.
Build Credit Easily: With Zolve, you can start building your U.S. credit score from day one. Your credit activity is reported to all three major credit bureaus, which helps you establish a solid credit profile over time.

2. Discover It® Student Cash Back: Rewarding Everyday Purchases

If you’re looking for a credit card that rewards you for everyday spending, the Discover It® Student Cash Back is a popular choice among international students. While it does require an SSN, it offers significant cashback benefits that can add up.

5% Cashback on Rotating Categories: This card offers 5% cash back in quarterly rotating categories such as groceries, gas stations, or restaurants. It’s a great way to earn rewards on common expenses.
$0 Annual Fee: Like Zolve, the Discover It® Student Cash Back card has no annual fee, which makes it a budget-friendly option.
Cashback Match for First Year: Discover will match all the cashback you’ve earned at the end of your first year. For students who spend wisely, this can be a huge bonus.

While Discover It® is a great option, keep in mind that it does require an SSN, so it may not be immediately available for new international arrivals without a social security number.

3. Capital One Quicksilver Student Cash Rewards Credit Card: Straightforward Rewards

Capital One’s Quicksilver Student Cash Rewards Credit Card is another strong contender in 2024. Designed for students, it offers straightforward rewards that are easy to earn and redeem.

1.5% Cash Back on All Purchases: Unlike some other cards with rotating categories, the Quicksilver card offers a flat 1.5% cash back on every purchase. It’s simple, rewarding, and perfect for students who don’t want to track specific spending categories.
No Foreign Transaction Fees: If you’re an international student who travels frequently or makes purchases in your home country, you’ll appreciate the lack of foreign transaction fees on this card.

However, like the Discover card, this one does require an SSN, which may make it less accessible for those who are newly arrived in the U.S.

4. Petal® 2 “Cash Back, No Fees” Visa® Credit Card: A No-Fee Wonder

Another solid pick for international students and professionals is the Petal® 2 “Cash Back, No Fees” Visa® Credit Card. This card is known for its lack of fees and rewarding cashback structure, making it ideal for newcomers trying to build credit without the burden of extra costs.

1% to 1.5% Cash Back: You can earn 1% cash back on purchases right away, and that can increase to 1.5% after 12 months of on-time payments.
No Fees: True to its name, the Petal® 2 card has no fees—no annual fee, no late fee, and no foreign transaction fees. This makes it an appealing option for anyone trying to avoid extra charges while still enjoying the benefits of credit.
Credit-Building Features: Like Zolve, Petal® 2 reports to the major credit bureaus, helping users establish a U.S. credit score over time. It’s perfect for international professionals and students looking to build credit without the stress of fees.

5. Bank of America® Travel Rewards Credit Card for Students: Perfect for Travel Enthusiasts

For international students who love to travel, the Bank of America® Travel Rewards Credit Card offers a unique advantage. You can earn points on every purchase, which can then be redeemed for travel-related expenses like flights, hotels, and rental cars.

1.5 Points Per Dollar on All Purchases: You earn 1.5 points for every dollar you spend, which can be redeemed for a variety of travel expenses.
No Foreign Transaction Fees: Similar to Zolve, this card also comes without foreign transaction fees, making it a solid option for those who frequently travel abroad or make international purchases.

Why Zolve Stands Out

While all these cards offer excellent benefits, Zolve’s No-Deposit Credit Card is specifically tailored to meet the unique needs of international students and professionals. Its accessibility, high credit limits, lack of annual fees, and no need for an SSN make it an unmatched option in 2024.

Zolve understands the challenges faced by newcomers and provides a seamless way to integrate into the U.S. financial system. With Zolve, you can build credit, manage expenses, and enjoy financial freedom—all without the hurdles that other cards might present.

If you’re a student or professional starting your journey in the U.S., Zolve is your go-to credit card . Apply today and start enjoying the benefits of easy credit access, zero fees, and the chance to build your financial future.

Can international students in the USA get a credit card?

Yes, international students in the USA can get a credit card, though many cards require a Social Security Number (SSN) or a U.S. credit history. However, cards like Zolve offer an option without needing an SSN or prior credit history, making it easier for newcomers to access credit.

Can I use an Indian international credit card in USA?

Yes, you can use an Indian international credit card in the USA, but be mindful of foreign transaction fees that can add up on every purchase. Opting for a U.S.-based card like Zolve can help you avoid these fees and build local credit.

What time of year is best for credit card offers?

The best times for credit card offers are usually around the holidays (November to December) and during back-to-school seasons (August to September) when banks roll out competitive rewards and sign-up bonuses.

Which credit cards don't charge foreign transaction fees?

Many credit cards, like Zolve, do not charge foreign transaction fees, making them a great choice for frequent international travelers or students who need to make purchases in other currencies.

Disclaimer: The products, services, and offerings mentioned in this blog are subject to change and may vary over time. We recommend visiting our official website for the most up-to-date information on Zolve's offerings.