The Ultimate Guide to Credit Cards for International Students: Best Choices and Tips

Choosing the right credit card can be a daunting task, especially for international students. This guide will help you understand the factors to consider and recommend some top credit cards designed specifically for students like you.

(1) Factors to Consider When Choosing a Credit Card

Credit History: Your personal credit score can impact your eligibility and the terms of the card. Spending Habits: Cards will benefit different people based on their typical spending habits. SSN vs ITIN: You need to consider if you have a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN).

(2) Top Credit Card Options for International Students

Discover it Student Cash Back

Benefits:

5% cash back on rotating categories each quarter (e.g., gas stations, grocery stores, restaurants) 1% cash back on all other purchases Dollar-for-dollar match of all cash back earned in the first year No annual fee

Requirements:

No SSN needed Can apply with an ITIN Capital One QuicksilverOne Cash Rewards Credit Card

Benefits:

1.5% cash back on every purchase Known for its easy approval process “No annual fee” for students who do not qualify for the no-fee version (Phantom variant)

Requirements:

May require an SSN International students can still qualify Chase Freedom Student Credit Card

Benefits:

1% cash back on all purchases 50 bonus points after first purchase within the first 3 months No annual fee

Requirements:

May require an SSN Chase has options for students without one Deserve Edu Mastercard for Students

Benefits:

1% cash back on all purchases No foreign transaction fees Offers Amazon Prime Student subscription reimbursement No annual fee

Requirements:

Designed specifically for international students No SSN required Citi Rewards Student Card

Benefits:

2x points at supermarkets and gas stations for the first $6000 per year 1x point on other purchases Rounds up to the nearest 10 points on every purchase No annual fee

Requirements:

May require an SSN Options exist for those without one

(3) Tips for Choosing a Credit Card

No Annual Fees: Opt for cards without annual fees to minimize costs. Rewards: Select a card that offers rewards in the categories you spend the most on. Foreign Transaction Fees: Choose a card that doesn’t charge foreign transaction fees if you plan to travel abroad. Building Credit: Consider cards that report to credit bureaus to help build your credit history in the U.S.

(4) Final Advice

Before applying, make sure to check the specific eligibility requirements and features of each card, as they can vary. It’s also a good idea to compare multiple cards to find the one that best fits your needs.