Best Credit Card Options for Immigrants in the USA: Build Credit & Financial Stability

A fresh start in the USA!

New to the U.S.? The right credit card can help you build a strong financial foundation and access better opportunities.

Getting a Credit Card as an Immigrant in the USA

Moving to the United States brings exciting opportunities, but financial challenges can arise—especially when it comes to establishing credit.

 Since credit history is a major factor in financial transactions, immigrants often struggle to qualify for traditional credit cards. However, several options exist to help newcomers build credit from scratch and achieve financial security.

Whether you have no credit history, a foreign credit report, or an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN), there are credit card solutions available.

This guide explores the best credit cards for immigrants, how to apply, and what to consider when choosing the right one.

Understanding credit in the USA

In the U.S., credit history plays a vital role in determining eligibility for loans, apartments, and even some jobs.

Unlike many other countries where financial history is based on income or banking relationships, the U.S. relies heavily on a credit score system.

This score is built over time through responsible credit use, such as making on-time payments and keeping balances low.

Best credit card options for immigrants

Here are the top choices for immigrants looking to establish or improve their credit in the U.S.:

1. Secured Credit Cards

A secured credit card requires a refundable security deposit, which acts as collateral. These cards are a great way to start building credit without needing a credit history.

• Best for: Immigrants with no credit history.
• How it works: You deposit a set amount (e.g., $200-$500), which becomes your credit limit.
• Recommended options:
  • Discover It Secured: Reports to all three major credit bureaus and offers cashback rewards.
  • Capital One Platinum Secured: Requires a low deposit and allows credit limit increases over time.

2. Credit Cards for ITIN Holders

Some banks allow immigrants to apply for credit cards using an ITIN instead of an SSN.

• Best for: Immigrants who don’t yet have an SSN.
• How it works: Apply with your ITIN and proof of income.
• Recommended options:
  • American Express Blue Cash Everyday: Allows ITIN applications and offers cashback on everyday purchases.
  • Deserve EDU Mastercard: No SSN required and offers 1% cashback.

3. Credit Cards from International Banks

Some U.S. banks accept foreign credit history for applications, making it easier for newcomers to qualify.

• Best for: Immigrants with established credit in another country.
• How it works: Certain banks (like American Express and HSBC) may transfer foreign credit history.
• Recommended options:
  • American Express Global Transfer Program: Allows immigrants to transition their existing credit relationship.
  • HSBC Premier World Mastercard: Available for international customers with accounts in their home country.

4. Student Credit Cards

International students in the U.S. can access student-specific credit cards that don’t require a credit history.

• Best for: International students looking to build credit.
• How it works: Requires proof of student status and income.
• Recommended options:
  • Discover It Student Cash Back: No credit history required, plus 5% cashback on rotating categories.
  • Bank of America Travel Rewards for Students: No foreign transaction fees and earns unlimited points.

How to Apply for a Credit Card as an Immigrant

If you’re an immigrant looking to apply for a credit card, follow these steps to increase your chances of approval:

1. Check Eligibility Requirements – Some cards require an SSN, while others accept an ITIN or international credit history.
2. Gather Necessary Documents – You may need an ITIN, passport, proof of income, or a U.S. bank account.
3. Start with a Secured or ITIN-Friendly Card – These options provide an easier approval path for newcomers.
4. Make On-Time Payments – Payment history is the most important factor in building credit.
5. Monitor Your Credit Score – Use free credit monitoring tools to track.

Final thoughts

Getting a credit card as an immigrant in the U.S. may seem challenging, but many financial institutions offer solutions tailored to newcomers.

Whether you opt for a secured card, ITIN-friendly card, or a student credit card, the key is to use credit responsibly and build a strong financial future. By taking the right steps now, you’ll set yourself up for better financial opportunities in the years ahead.