Moving to the U.S. for your studies is exciting—but it can also be financially overwhelming. One major challenge international students face? Building credit without a Social Security Number (SSN).
The good news is: Some credit card companies now allow international students to apply without an SSN and start building credit from day one.
In this guide, we’ll explore the top 3 student-friendly credit cards available to international students in 2025—no SSN required.
Why International Students Need Credit Cards
- Build U.S. credit history
- Pay bills and shop online easily
- Avoid carrying large amounts of cash
- Access cashback and reward programs
Learn more: How to Build Credit as a Student
1. Deserve EDU Mastercard for Students
✅ No SSN required to apply ✅ No annual fee ✅ 1% cashback on all purchases ✅ Free Amazon Prime Student (6 months)
You don’t need a U.S. credit history or even a co-signer. Just upload your passport, visa, and I-20 form. Deserve uses alternative data (like your education and financial records) to make approval decisions.
2. Bank of America® Travel Rewards for Students (With ITIN)
✅ Great for international students who have an ITIN instead of an SSN ✅ No annual fee ✅ Unlimited 1.5 points per $1 spent on all purchases ✅ No foreign transaction fees
Perfect for students who plan to travel between countries or shop online from international retailers.
🔗 Bank of America Travel Rewards
3. Capital One Quicksilver Student Cash Rewards Card (Best if you get an SSN later)
✅ 1.5% cashback on every purchase ✅ No annual fee ✅ Free access to your credit score
While this card does require an SSN, it’s a top upgrade choice once you’ve settled in and received your SSN. It’s also great for long-term use.
Already comparing card types? Read: Secured vs. Unsecured Student Credit Cards
Can You Get a Credit Card Without an SSN?
Yes—but your options are limited. Some issuers accept:
- ITIN (Individual Taxpayer Identification Number)
- Passport, visa, I-20, or DS-2019 forms
- Proof of enrollment or bank statements
💡 Tip: Deserve EDU is the easiest for students with zero U.S. documents.
How to Apply (Without SSN)
- Choose a card that doesn’t require SSN (like Deserve EDU)
- Gather your documents (passport, visa, proof of enrollment)
- Submit your application online
- Wait for approval (often within a few business days)
Final Thoughts
Getting a credit card as an international student might seem tough, but these options make it completely doable. Whether you have an ITIN, plan to get an SSN later, or are just starting out—there’s a card that fits your needs.
Start with the right one, and you’ll be building U.S. credit in no time.
Want to know how to use these cards wisely? Read: How to Build Credit as a Student
Related Reads:
- How to Build Credit as a Student
- 5 Best Student Credit Cards with No Annual Fee (2025)
- Secured vs. Unsecured Student Credit Cards
- 5 Credit Score Myths That Could Hurt College Students
Disclaimer: Credit card terms may change. Always check the issuer’s official site for the latest information.
✅ FAQs:
Q1: Can international students get a credit card in the U.S. without an SSN?
A: Yes, some cards like Deserve EDU allow applications without an SSN using your passport, visa, and school documents.
Q2: Is an ITIN enough to apply for a credit card?
A: Yes, cards like Bank of America Travel Rewards accept ITIN instead of SSN.
Q3: Do these cards help build U.S. credit history?
A: Absolutely! All recommended cards report to credit bureaus and help build your credit score.
Q4: Can I upgrade my card later when I get an SSN?
A: Yes, you can switch to more advanced cards like Capital One Quicksilver Student when you get your SSN.
Q5: What documents are needed to apply without SSN?
A: You’ll usually need your passport, visa, I-20 or DS-2019, and proof of school enrollment.
Start building credit today—compare the best no-SSN credit cards and apply online with your passport or ITIN!
