Ultimate Guide to the Top 10 Credit Cards for International Students in the USA

For international students studying in the United States, navigating the financial landscape can be both exciting and challenging. Having a credit card is an essential part of managing finances and building a credit history, which is crucial for various aspects of life, from renting an apartment to future loan applications. In this ultimate guide, we explore the top 10 credit cards tailored for international students in the USA, considering factors such as low fees, accessibility, and rewards.

  1. Discover it® Student Cash Back: Discover it® Student Cash Back is an excellent choice for international students with limited credit history. It offers cashback rewards on purchases and provides a unique feature called “Good Grade Reward” that offers a statement credit for good academic performance.
  2. Deserve EDU Mastercard for Students: The Deserve EDU Mastercard is specifically designed for international students, even those without a Social Security number. It offers rewards on purchases, no annual fees, and includes benefits like cellphone protection.
  3. Bank of America® Travel Rewards Credit Card for Students: This credit card is ideal for international students who love to travel. It offers points on all purchases, and the points can be redeemed for travel-related expenses. With no foreign transaction fees, it’s a great companion for students exploring the USA.
  4. Citi Rewards+ Student Card: Citi Rewards+ Student Card is known for its unique feature of rounding up rewards on every purchase to the nearest 10 points. This makes it an attractive option for those who want to maximize their rewards. It also comes with no annual fee.
  5. Capital One Platinum Credit Card: The Capital One Platinum Credit Card is designed for those with average credit, making it accessible for international students. It offers no annual fee, and by using it responsibly, students can build or rebuild their credit.
  6. Journey® Student Rewards from Capital One: Journey® Student Rewards is another offering from Capital One specifically designed for students. It provides cashback rewards, and with responsible use, cardholders have the opportunity to increase their credit limit.
  7. Wells Fargo Cash Back College Card: The Wells Fargo Cash Back College Card offers cashback rewards and has no annual fee. International students may appreciate its simplicity and the opportunity to earn cash back on everyday purchases.
  8. TD Cash Credit Card: The TD Cash Credit Card is known for its cashback rewards and simplicity. It’s a solid choice for international students who prefer straightforward rewards without dealing with complex point systems.
  9. Citi Secured Mastercard: The Citi Secured Mastercard is an option for international students looking to build or rebuild their credit. While it requires a security deposit, responsible use can lead to an upgrade to an unsecured card.
  10. Bank of America® Cash Rewards Credit Card for Students: Bank of America® Cash Rewards Credit Card for Students is known for its cashback rewards and flexibility. It allows cardholders to choose their cashback category, making it suitable for various spending preferences.


Choosing the right credit card is an important financial decision for international students in the USA. The top 10 credit cards mentioned in this guide cater to the unique needs of students, offering rewards, low fees, and accessibility. As international students build their credit history and manage their finances responsibly, these credit cards can become valuable tools for their financial journey in the United States. Remember to review the terms and conditions of each card and choose the one that aligns with your spending habits and financial goals.

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