The best credit card in USA for new immigrants can be a powerful first step toward financial independence and long-term stability. As someone who has personally guided multiple friends and family members through the U.S. credit system after immigrating, I’ve seen firsthand how confusing and sometimes overwhelming this journey can be. Unlike American citizens, most new immigrants arrive with no Social Security Number (SSN), no U.S. credit history, and very little understanding of how the financial system works. These obstacles often make it difficult to get approved for even basic credit cards, let alone the premium ones.
However, building credit in the U.S. doesn’t have to be an impossible task. In fact, the right credit card can help new immigrants lay a strong financial foundation within months. According to Experian, more than 62 million Americans have a thin or nonexistent credit file many of them immigrants. This highlights just how common and important it is to start smart with the right financial tools.
Choosing the best credit card for immigrants in the USA is not just about getting approved it’s about finding a card that reports to all three credit bureaus, has low or no fees, and helps you build a positive payment history. In this practical guide, we’ll break down the top credit cards for new immigrants in 2025, explain what to look for, how to apply without a credit score or SSN, and share expert tips for using your first card wisely.
Whether you’re a student, worker, or family newcomer, I will help you find the best credit card in USA for new immigrants, one that fits your needs and helps unlock your American dream.
Why Credit Cards Matter for New Immigrants
Best Credit Card in USA for New Immigrants: Why It’s a Must-Have Tool in 2025
When you move to a new country, especially the United States, one of the most critical yet overlooked steps to financial success is choosing the best credit card in USA for new immigrants. It’s not just about making purchases it’s about building your identity within the U.S. financial system.
Best Credit Card in USA for New Immigrants Helps Build Credit Score from Day One
Starting with zero credit history is common for new immigrants, but it’s also one of the biggest barriers. Without a credit score, you can’t qualify for many essentials like car loans, home rentals, or even cell phone contracts. According to the Consumer Financial Protection Bureau, over 26 million people in the U.S. are “credit invisible”, and immigrants make up a large portion of that group. That’s why having a beginner-friendly card that reports to all major credit bureaus is essential. The best credit card in USA for new immigrants will help you establish and grow your credit score faster than any other method.
Essential for Renting, Buying, and Even Job Applications
Believe it or not, your credit score affects more than just loans. Landlords check it before renting apartments. Employers sometimes consider it during background checks. Auto financing and even insurance rates can be influenced by your credit history. This is why choosing the best credit card for immigrants in USA early can open more doors than you think.
Cashback, Rewards & Fraud Protection Are Added Bonuses
Besides credit building, many immigrant-friendly credit cards offer cashback, travel rewards, and even fraud protection. It’s a win-win situation you build credit and earn rewards while spending on daily essentials.
Myth: You Can’t Get a Credit Card without Credit History Fact: You Can
One common myth is that you need a credit score to get a credit card. The truth is, several issuers now offer cards specifically for newcomers with no SSN or credit history required. The best credit card in USA for new immigrants is now more accessible than ever, you just need to know where to look.
What to Look for in a Credit Card for Immigrants
Best Credit Card in USA for New Immigrants: Key Features That Matter Most
When searching for the best credit card in USA for new immigrants, it’s easy to feel overwhelmed by flashy offers and confusing terms. But not all credit cards are created equal especially if you’re just starting your financial journey in a new country. Based on personal experience helping friends apply for their first cards after immigrating, here are the key features you should prioritize.
Best Credit Card in USA for New Immigrants Shouldn’t Require SSN or ITIN (Initially)
One of the biggest barriers new immigrants face is not having a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Luckily, several card issuers like Deserve, Petal, and Jasper offer options that don’t require these numbers up front. This makes it easier to get started, even before you’ve fully settled in. However, applying for an ITIN early can also open more doors.
No Credit History? No Problem
A major plus of choosing the best credit card for new immigrants in USA is that some issuers don’t require any U.S. credit history. Instead, they use alternative data such as your income, bank activity, or international credit score. Petal and Tomo credit cards are excellent examples. This means you can get approved even if you’re brand new to the country.
Low or No Annual Fees
Look for cards with no annual fee or very minimal charges. There’s no need to pay $95 or more per year when better options exist. The best credit cards for immigrants should help you build credit without costing a fortune.
Must Report to Major Credit Bureaus
It’s crucial that your card reports to all three major credit bureaus, Equifax, Experian, and TransUnion. This ensures your responsible card usage helps build your credit profile fast.
Secured vs. Unsecured: Which Is Better for Immigrants?
Secured cards (like Discover It Secured) require a refundable deposit and are often easier to get. Unsecured cards (like Petal 2) don’t need a deposit but may have stricter approval. Depending on your financial situation, both types can be a great way to start. The best credit card in USA for new immigrants is the one that fits your current needs and future goals.
Top 5 Best Credit Cards in USA for New Immigrants (2025 Edition)
Finding the best credit card in USA for new immigrants can be tricky, but it’s also one of the most important financial decisions you’ll make after arriving. Whether you’re a student, a working professional, or a new resident, the right credit card can help you build your credit score, earn rewards, and gain access to financial tools that support long-term stability. Below, we break down the top 5 credit cards for new immigrants in the USA, focusing on eligibility, pros, and cons to help you decide which one fits your situation best.
Deserve EDU Mastercard
Best for International Students Without SSN
The Deserve EDU Mastercard is a go-to option for international students. Designed specifically with immigrants in mind, it removes common barriers like requiring a Social Security Number or U.S. credit history.
Pros:
- No SSN required to apply
- No credit history needed
- 1% unlimited cashback on all purchases
- Free Amazon Prime Student for one year (after spending $500 in 3 months)
- No annual fee
- Reports to all three credit bureaus
Cons:
- Only available to college students
- Limited to international students on an F-1 visa
- Eligibility:
- Must be a student (international or domestic)
- Valid visa and school-issued I-20 required
- Proof of income or financial support documentation
If you’re an international student looking to start your U.S. credit journey, the Deserve EDU Mastercard is likely the best credit card in USA for new immigrants in your situation.
Petal® 2 “Cash Back, No Fees” Visa Credit Card
Best for Immigrants with No Credit History
The Petal® 2 card is ideal for newcomers who don’t yet have a credit score. Instead of judging your eligibility based on credit, Petal uses cash flow underwriting by analyzing your banking history.
Pros:
- No credit history or SSN required (optional during application)
- No annual fee, no late fees, no foreign transaction fees
- Earn 1% cashback right away, up to 1.5% after 12 on-time payments
- Credit limits range from $300–$10,000
- Reports to all three major credit bureaus
Cons:
- Approval still depends on banking activity and income stability
- Not available in all states
- Eligibility:
- Must have a U.S. bank account
- Income or steady cash flow required
- Minimum age and legal U.S. residency
If you’re not a student and don’t have U.S. credit history, the Petal 2 card may be the best credit card for new immigrants in USA thanks to its flexible underwriting and generous cashback rewards.
Capital One Platinum Secured Credit Card
Best Secured Credit Card for Building Credit
The Capital One Platinum Secured is a great beginner card that’s easier to qualify for and designed for those with no or limited credit history. It requires a refundable security deposit, which makes approval much more likely.
Pros:
- Approval possible with no credit history
- Refundable deposit as low as $49 (depending on creditworthiness)
- Reports to all three credit bureaus
- Automatic credit line reviews after 6 months
- No annual fee
Cons:
- No cashback or rewards program
- Requires a deposit to open the account
- High APR (can be avoided if you pay in full)
Eligibility:
- Must be 18+ with a valid U.S. address
- Income must support repayment
- SSN or ITIN typically required
For new immigrants willing to put down a small deposit to build their credit, this is easily one of the best secured credit cards in the USA for immigrants starting fresh.
Tommy Card (by Jasper)
Best for Professionals Without U.S. Credit
The Tommy Card by Jasper (formerly Jasper Mastercard) is built for working immigrants and newcomers who don’t yet have a credit score. It’s especially useful for professionals on work visas or newly arrived employees.
Pros:
- No credit history required
- No annual fee
- Helps build credit fast by reporting to all three bureaus
- Up to 1% cashback on purchases
- Mobile app to track usage and payments
Cons:
- Application can be strict for self-employed or freelancers
- Requires employment or income verification
Eligibility:
- Must have a valid U.S. work visa or legal status
- Proof of employment/income
- U.S. mailing address
The Tommy Card is great for immigrants coming on H-1B, L-1, or O-1 visas who need a professional-grade credit card with easy approval and no fees. It’s a strong candidate for the best credit card in USA for new immigrants who aren’t students.
Discover it® Secured Credit Card
Best for Earning Cashback While Building Credit
The Discover it® Secured combines the accessibility of a secured card with excellent benefits like cashback rewards and no annual fee. It’s one of the few secured cards that offers generous incentives for everyday spending.
Pros:
- 2% cashback at gas stations & restaurants (up to $1,000 per quarter)
- 1% cashback on all other purchases
- Cashback Match™ doubles your rewards at the end of the first year
- No annual fee
- Reports to all three credit bureaus
Cons:
- Requires refundable security deposit
- Requires SSN or ITIN
- Credit limit tied to deposit amount
Eligibility:
- Must be 18+, U.S. resident
- SSN or ITIN required
- Ability to make the minimum deposit ($200+)
If you’re okay with making a small deposit, the Discover it Secured is one of the best secured credit cards for immigrants in the USA, especially if you want to earn cashback while you build your score.
Comparison Table: Top 5 Credit Cards for New Immigrants
| Credit Card | SSN/ITIN Needed? | Credit History Required? | Annual Fee | Cashback/Rewards | Card Type |
| Deserve EDU Mastercard | No | No | $0 | 1% cashback + Amazon Prime | Unsecured |
| Petal® 2 Visa | Optional | No | $0 | Up to 1.5% cashback | Unsecured |
| Capital One Secured | Yes | No | $0 | None | Secured |
| Tommy Card by Jasper | No | No | $0 | Up to 1% cashback | Unsecured |
| Discover it® Secured | Yes | No | $0 | Up to 2% cashback + match | Secured |
Choosing the best credit card in USA for new immigrants depends on your personal circumstances, whether you’re a student, a worker, or someone starting from scratch. The good news is that there are now more immigrant-friendly credit cards than ever before. From building your first U.S. credit score to earning cashback on everyday purchases, these cards are powerful tools for starting your financial journey on the right foot.
How to Apply for a Credit Card as a New Immigrant
Best Credit Card in USA for New Immigrants: How to Apply With Confidence
Applying for the best credit card in USA for new immigrants might seem intimidating at first, but it’s easier than most people think, especially with immigrant-friendly options now widely available. When I helped a relative apply for their first card after arriving in the U.S., we were surprised by how smooth the process was, as long as we had the right documents.
What You’ll Need:
- To apply, you’ll typically need:
- A valid passport and visa
- Proof of income (such as a job offer letter or pay stub)
- U.S. residential address
- Either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN)
If you don’t have an SSN yet, don’t worry. Many credit card issuers now accept ITINs or even approve applications without either. For example, Deserve EDU and Petal are excellent choices.
Tips to Boost Approval Odds:
- Open a U.S. bank account first
- Maintain a steady income or deposit
- Consider starting with a secured credit card
- Avoid applying for too many cards at once
You can also visit issuers’ pages for more guidance:
- Deserve EDU
- Petal Cards
- Capital One for Newcomers
With the right preparation, getting the best credit card in USA for new immigrants is totally possible and it’s one of the smartest financial steps you can take in your first year.
Alternatives to Credit Cards for Building Credit
While finding the best credit card in USA for new immigrants is a great start, it’s not the only way to build credit. If you’re not ready or eligible for a credit card yet, consider these proven alternatives:
- Credit Builder Loans: Offered by credit unions and fintech apps, these small loans hold your money in a savings account while you make monthly payments helping you build credit history safely.
- Become an Authorized User: Ask a trusted friend or family member to add you to their credit card. You benefit from their positive payment history without needing your own card.
- Rent-Reporting Services: Platforms like RentTrack or Experian RentBureau allow you to report on-time rent payments to major credit bureaus.
- Self and Chime Credit Builder Tools: These modern tools let you build credit through secured cards or small loans linked to your savings.
These options, combined with eventually applying for the best credit card in USA for new immigrants, can accelerate your path to a strong credit score.
Million Dollar Tips for Managing Your First Credit Card Wisely
Getting the best credit card in USA for new immigrants is just the beginning. How you manage it will shape your financial future. Here are some essential tips to help you build credit the right way:
Pay Your Full Balance Each Month:
Carrying a balance leads to interest charges. Always aim to pay your balance in full and on time to avoid debt and boost your credit score.
Keep Credit Utilization Below 30%
Credit utilization is the amount of credit you use compared to your limit. Try to use less than 30% of your limit ideally under 10% for better results.
Set Up Auto-Pay and Reminders:
Missing a payment can hurt your score fast. Set up auto-pay or at least calendar reminders to never miss a due date.
Avoid Multiple Applications:
Applying for several cards in a short time can trigger hard inquiries and lower your score. Start with one best credit card for new immigrants and build from there.
Monitor Your Credit:
Use free tools like Credit Karma or Experian to track your score, catch errors, and stay informed. Smart habits now can unlock better cards, loans, and financial freedom in the future.
Conclusion
Choosing the best credit card in USA for new immigrants isn’t just about convenience it’s a powerful first step toward financial independence, stability, and success in your new home. Whether you’re a student, a skilled worker, or a newly arrived family member, the right credit card can help you establish a strong U.S. credit profile, access better financial opportunities, and integrate more confidently into American life.
As we’ve explored, there are now multiple credit cards tailored specifically for immigrants with no SSN required, no prior credit history needed, and useful benefits like cashback, low fees, and credit reporting to major bureaus. Options like Deserve EDU, Petal 2, and Capital One Secured are all excellent starter cards that combine accessibility with trust-building features.
But remember, simply having a card isn’t enough. Managing it wisely by paying on time, keeping utilization low, and monitoring your credit will ensure you maximize your benefits and avoid setbacks. If you’re not eligible for a card just yet, don’t be discouraged. Alternatives like credit builder loans, authorized user status, and apps like Self and Chime can still help you build your credit from the ground up.
In the end, your financial journey in the U.S. starts with knowledge, discipline, and the right tools. By selecting the best credit card in USA for new immigrants, you’re not just getting a piece of plastic you’re unlocking access to the American financial system and laying the groundwork for a brighter future. Take the first step today, and let your credit journey begin with confidence.
FAQ’s
Can I get a credit card in the USA as a new immigrant without a Social Security Number (SSN)?
Yes, several issuers now offer credit cards without requiring an SSN. Cards like Deserve EDU and Petal 2 accept applications from immigrants using an ITIN or even without either in some cases. Always check the specific card’s application requirements.
What is the best credit card in USA for new immigrants with no credit history?
The Petal® 2 “Cash Back, No Fees” Visa and Capital One Platinum Secured are great options for immigrants with no credit history. Petal uses banking data instead of a credit score, while Capital One offers secured approval based on a refundable deposit.
How long does it take to build credit in the USA as an immigrant?
If you use your card responsibly paying on time, keeping balances low, you can begin building a credit score within 3–6 months. Major credit bureaus update scores monthly, so consistent usage helps your score grow steadily.
Is a secured credit card a good option for new immigrants?
Absolutely. A secured credit card is often easier to get approved for and reports to all major credit bureaus. With proper use, it can be upgraded to an unsecured card within 6–12 months.
Will applying for multiple credit cards hurt my credit score?
Yes. Multiple credit applications in a short period can lead to hard inquiries, which may slightly reduce your credit score. Start with one best credit card for immigrants and use it wisely before applying for others.
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