Your Ultimate Guide to Apply for the Best Student Card in the US
Study Abroad student credit card US Credit Card

Your Ultimate Guide to Apply for the Best Student Card in the US

Moumita Basu

A good credit score is essential when you are making any major decision in your life. Opening a college student Credit Card is a smart way to start building credit early while also taking advantage of rewards and special financing offers.

With the number of college student Credit Cards available in the market; from travelers and foodies to commuters and international students, it is natural to feel flustered. While some cards are lenient with credit history requirements, which means you can qualify for one without having no credit history, you do have to be 18 to apply for a Credit Card and need a steady source of income.

The most important one is choosing the best US student Credit Card. Being in a new country is stressful enough. On top of that, you don't need to worry if your card will support Uber or if you are missing out on significant savings in the US with the exciting cashback and rewards these student credit cards offer.

Students are relatively new to Credit and have different financial needs than working professionals. Therefore, their Credit Card needs to be different too. The student Credit Cards available in the market are specifically designed for the needs of students and come with lucrative benefits like free subscriptions, late-fee waivers, and much more. Credit experts suggest that you should have your student credit card as it has a long-term impact on your finances.

Best Credit Cards for International Students in the US

Here are some of the best international student credit cards available in the US that you can choose from:

  • Zolve
  • Chase Freedom
  • Capital One SavorOne
  • Bank of America
  • Discover


Zolve US student credit card is the best to accelerate your ambitions. It comes with no annual fee, a high credit limit & can be used across continents with no foreign transaction fees. Also, Zolve strongly believes that good Credit is for everyone. Thus you can apply for it with your basic personal information, visa, and passport for identification.

Long story short, here's why you should swipe right on our credit card.

  • No annual fee
  • An international card that works with no foreign transaction fees
  • Apply before leaving for the US, swipe when you arrive
  • No security deposit
  • High credit limit for eligible borrowers from the get-go
  • Start building your US credit score from Day 1
  • Lost your card? Freeze/ unfreeze from the app
  • Amazing rewards in popular stores
  • First late payment fee is waived off

Chase Freedom

Image Credit: Investopedia

The Chase Freedom student Credit Card comes with a $50 reward after the first purchase made within the first three months of account opening. This card comes with no annual charges and with a 1% cash back on every purchase. The only drawback of the Chase Freedom Credit Card is that it lacks rewards.

Capital One SavorOne

Image Credit- Investopedia

The Capital One SavorOne Credit Card is a popular choice amongst international students in the US for a good number of reasons. The card comes with an unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. The card comes with zero annual fees and no foreign exchange fees. But the primary drawback is that it charges a very high APR.

Bank of America

Image Credit: Investopedia

Students who want to maximize their rewards and are okay with traveling through a more complex system of cashback may go for Bank of America’s customized Cash Rewards Credit Card for students. The card comes with a 3% cash back in the category of choice and an automatic 2% cash back at grocery stores and wholesale clubs. If you apply for this card, keep in mind that cashback is limited to up to $2,500 in the 3% and 2% categories combined each quarter. The only drawback of the Bank of America Credit Card is that it does not provide travel protection.

Discover It Student Credit Card

Image Credit: Investopedia

As far as student Credit Card is concerned, the Discover it Student Credit Card gets high marks. The card offers 5% cash back on rotating bonus categories after enrolment and a first-year cashback match.

But, many students don’t opt for this one because the 5% cashback rate is limited to $1,500 per quarter in spending, with bonus categories that must be activated quarterly, and a low 1% base reward rate. Additionally, you might face difficulties if you want to use it overseas as Discover is not globally accepted.

How to apply for the best Student Credit Card in the US

Applying for a Zolve Credit Card is simple, and the entire process takes less than 5 minutes. You can complete the process online from the comfort of your home without worrying about visiting any bank branch to apply. Follow the steps below to sign up for a Zolve Credit Card:

  • Visit the website “” to sign up with Zolve. If you already have an account with Zolve, log in using your email id and password
  • Read through the requirements of getting a Credit Card. You need to show your government-issued ID, Passport, Visa, and relevant college or employment details
  • Fill out the online application form and upload the relevant documents. The best part? It takes less than 5 minutes
  • And, that's it! Once you have submitted your form, the Zolve team will get back to you with confirmation once your details are verified

With Zolve, let access to money be the least of your worries when you aim to win the world. While there are other student Credit Cards available on the market, Zolve provides you the best of both worlds. With the Zolve Credit Card, you can:

  • Build your credit score
  • Emergencies can appear at any time. By keeping your Zolve Credit Card handy, your family back home will be at peace knowing you have sufficient funds. If anything unforeseen happens in a place that is still foreign to you and requires a hefty amount
  • A Credit Card can help you relax if you face a cash crunch. Credit cards are a great relief when buying things between paychecks. Your credit card is your ticket to financial freedom
  • Credits Cards come with their own set of exciting rewards like cash back on various merchants. Some also offer perks like travel miles, free subscriptions, etc. As a student, you must be able to save while you spend
  • Complete control of your finances gives you a different kind of rush. It helps you learn how to use money wisely. Also, it develops a sense of credit literacy that helps you in the long run in your financial journey