US Bank-issued credit cards are great tools for making purchases online. They're convenient, secure, and offer lucrative rewards programs. But most importantly, they allow you to build a credit history. However, for many without a social security number (SSN), obtaining a credit card may seem like an almost impossible feat until now.
We have made it easy for you and listed all the credit card issuers that will give credit cards to non-residents without an SSN
No annual fee
New cardholder bonus offer
Intro APR period
No foreign transaction fees
Flexible rewards redemption
The Bank of America® Travel Rewards credit card is an excellent option for frequent travelers who want flexible rewards but just can't bring themselves to pay an annual fee for a credit card.
Cardholders earn an unlimited 1.5 points per dollar spent on all purchases. Rewards never expire as long as the account is open, but some of the redemption options have a time limit attached (more on that later). Points can be redeemed for credit against any travel or restaurant purchase. With no foreign transaction fees and a $0 annual fee, this card definitely travels light.
Card type: Cashback.
Annual fee: $0.
Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards: Unlimited 1.5% cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel.
Interest rate: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.99%-27.99% Variable APR; 3% fee on the amounts transferred within the first 15 months.
Foreign transaction fees: None.
The Capital One Quicksilver Cash Rewards Credit Card is a good option if you value the simplicity of earning a flat rate on all your purchases. You’ll get 1.5% cash back on nearly every purchase, without a bunch of bonus categories to remember or spending limits to keep track of.
The card features other attractive benefits as well, including a solid sign-up bonus, an introductory 0% APR period, and low fees. And if you don’t mind managing multiple cards, you can pair it with a tiered-rewards or rotating bonus card to maximize your earnings.
High rewards rate.
Bonus categories.
As far as no-annual-fee cards go, the Blue Cash Everyday® Card from American Express is one of your best options for earning rewards on everyday spending. The card not only offers strong, year-round cash back in practical bonus categories like groceries and gas but also earns a unique 3 percent back on your first $6,000 in spending with U.S. online retailers (1 percent back after that).
This category makes the card uniquely versatile, as it’s one of the only cards that offer more than 2 percent back on both U.S. supermarket purchases and on U.S. online retail purchases without requiring you to juggle rotating categories. Collectively, these categories and the $0 annual fee make the Blue Cash Everyday one of the better no-annual-fee grocery rewards cards on the market.
The Chase Freedom Unlimited® has long been a favorite among fans of cash-back credit cards. The card’s rewards program can be highly rewarding for cardholders looking to take advantage of the Chase Ultimate Rewards portal as well as those who use Lyft and make frequent dining and drugstore purchases. The 1.5 percent cash-back rate on general purchases, along with valuable perks like travel cancellation/interruption insurance and DoorDash DashPass, make the card worth it for budding travelers and cash-back enthusiasts alike.
The Wells Fargo Active Cash Card isn’t just one of the best flat-rate cash rewards cards —it’s one of the best cash rewards credit cards period. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to Wells Fargo cards, even earning a top spot on our list of the best no annual fee credit cards. In fact, the Active Cash may even topple the Citi® Double Cash Card as the long-reigning MVP of flat-rate cash rewards cards.
The Deserve EDU Mastercard for Students charges a $0 annual fee and offers 1% unlimited cash back on all purchases. Cardholders also receive a one-time reimbursement of $59 for an Amazon Student Prime membership (which is currently $69 for the annual plan or $7.49 per month for the monthly plan) when you use the card to pay your membership fee. The Deserve EDU Mastercard for Students has an ongoing APR of 21.74% variable on purchases. As for foreign transaction fees — there are none.
The Discover it Secured Credit Card provides the opportunity to build your credit while offering cash back on every purchase. Cardholders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. Plus, get the following sign-up bonus: Discover will match all the cash back you’ve earned at the end of your first year. Because the card is secured, it requires a deposit ranging from $200 to $2,500, which serves as your line of credit, but the card comes with a $0 annual fee.
Getting a credit card is a huge step for many and can prove to be a lifesaver for your business or your family when there is limited cash on hand. In the US financial system, once you have an SSN, getting your first credit card is usually a straightforward process.
For non-residents, getting a credit card might prove to be a bit more difficult if you do not know how to go about it. There is a list of requirements that the bank may request from you before they issue you your first credit card.
After you've checked that you qualify and have all the necessary documentation, you can apply for your first credit card! We've listed all of the banks that issue credit card accounts to non-residents without Social Security numbers below.
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