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How can I get a US credit card without SSN and credit score?

When you first arrive in the U.S., many people do not have SSN social security numbers, which causes problems in applying for credit cards. Credit cards are a very convenient way to pay, and student credit cards can also improve your credit history and score, which can make it easier to live and study abroad.

In fact, in the absence of SSN and credit score, you can also apply for a U.S. credit card, the amount of this low-threshold card may be relatively low, but other features and credit cards, but also to improve the credit score, just arrived in the United States of America partners can try this method.

Deserve EDU Mastercard

Deserve EDU Mastercard can be applied for even by international students, no deposit, SSN, or ITIN is required, which is basically a zero-threshold application.


1% cashback on all purchases

Spend $500 within 3 months of account opening and get a one-year Amazon Prime student membership

No annual fee

No foreign transaction fees

Can improve your credit score

Credit limit up to $5000

The downside is that you can’t accept delinquent transfers or cash withdrawals, which makes this card the best choice for international students.

Chase Freedom Student

This Chase card requires an ITIN and has a relatively high threshold.


No annual fee

50 USD bonus on one purchase within 3 months of account opening

20 bonus per year for 5 years with good credit

No liability for fraud

Free access to credit score

Ability to freeze and unfreeze cards using the app

Get 3 months of free DashPass service

The downside is that a 3% foreign transaction fee is charged, so you need to consider it carefully if you leave the country often. This card is also great for college students because it offers 1% cash back on all purchases and is very cost-effective.

Petal 2 Visa Credit Card

This credit card does not require an SSN, but does require an ITIN, and has no annual fee or security deposit.


1% cash back on purchases

Cashback rate of 1.25% after 6 months of on-time payments, up to 1.5% after 12 payments

2% to 10% cashback on purchases at select merchants

No annual fee

No foreign transaction fees

Three major agencies report, can improve credit score

The disadvantage is that the APR APR is 12.99%~26.99%, which is a high interest rate.

This card has a minimum credit limit of $500 but can reach up to $10,000 without annual fees or any foreign transaction fees, making it a better value option.
Capital One Quicksilver Rewards for Students

This card has no annual fee and offers 1.5% cash back with no cap. However, you need an ITIN to apply and there are some credit requirements.


1.5% cashback on all purchases, no cap requirement

No annual fee

No foreign transaction fees

Can improve credit rating

Allows transfer of outstanding funds

Can withdraw cash

The disadvantage is the 26.99% APR APR, which is a high amount.

These are the overseas credit card suggestions for international students, you can refer to them according to your needs, and overall they are all options with lower thresholds.

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