U.S. Credit Card (without SSN / ITIN)
Arrive in the U.S. financially prepared
Build your U.S. credit history from day one. Get a credit card designed for international students before you fly out.
Eligibility
If you're an international student moving to the U.S. you likely qualify.
To apply you need to have:
A valid passport
I-20 (proof of student status)
Valid U.S. student visa
Top Benefits
Designed for your U.S. lifestyle
No SSN Required
No Annual Fee
No Forex Fee
Reports to all 3 major credit bureaus
and more
Even more perks
Grow your limit over time
Real human customer service
No security deposit required
Tap to pay
How it works?
Fast to get. Easy to use.
Apply in Minutes
Fill a simple application form
Instant Approval
With no need of SSN or U.S. credit history
Activation
Happens once you land in the U.S.
Start Using It
To build your U.S. credit history
Trusted by Thousands of Students Like You
You’re in Good Company
As I was heading for MBA at Columbia, I got in touch with Nomad team regarding the financing. They were super helpful and always approachable. This involved sitting with me on calls as I fill forms, helping with US cosigner doubts, helping me process all the applications. I highly recommend them!!
I’m really grateful to Nomad team for all the help and support. From the very first step, they were always just a call away. Thanks to them, the whole process felt so much smoother and less stressful. I’d happily recommend them. They truly go above and beyond for the people they works with!
I got in touch with Anchal regarding financing options as I head for an MBA at Stanford. She helped me get to know about all the available options with utmost patience. In the end, I was able to get a highly competitive interest rate with her help, which turned out to be the best option available in the market!
Ganesh was my case manager at Nomad Credit. He helped me secure 2 student loans, 1 for each year of my MBA at UCLA Anderson. It is not always straight forward for international students to get student loans in the US, but Ganesh walked me through the whole process step by step, making it as stress free as possible. Highly recommended!
Nomad Team helped me get the best possible option for my financing needs. They made sure that I got the most updated and consistent information to make the right decision towards the most important aspect of my studies i.e. money management. They were always there to help me and have a great attitude towards helping others.
Working with your team was an incredibly smooth and reassuring experience. A special shoutout to Karan and Deepesh, who truly went above and beyond at every stage and making sure everything was on track despite tight timelines. I’m genuinely grateful to have had such a supportive team by my side, I couldn’t have done it without you!
Since, I was doing this for the first time, I had a lot of questions. The team very patiently answered all my queries and consistently supported me from filling-up my application to document verification until I had received my loan confirmation. Overall, I really appreciate Nomad’s help in navigating me through my loan application process.
Your unwavering support, particularly in navigating the challenge of securing a loan without collateral, has been truly remarkable. Special thanks to Shweta ma’am. Your service and commitment to helping students like me achieve their dreams have made a profound impact, and for that, I am deeply thankful.
I’m incredibly grateful to Poonam and the entire Nomad Team for their outstanding support throughout. Their guidance was clear, timely, and tailored to my specific needs. I highly recommend them to anyone pursuing international education. They’re knowledgeable, professional, and genuinely invested in your success.
Thanks Sulekha & Nomad Credit for assisting me throughout. You also helped me boost my confidence personally in the entire process. I am grateful, you were there to resolve my every doubt regarding visa interview questions and any query I had. At the end, thanks once again for helping me achieve F-1 visa for the USA.
Your exceptional guidance made my master’s application process smooth and stress-free. You were always available and willing to answer my queries with patience and clarity. I highly recommend Nomad to anyone seeking professional guidance for their higher education journey.
Ready to start your
credit journey early ?
Apply US credit card (without SSN/ITIN) in minutes
Frequently Asked Questions
About U.S. Credit Card (Without SSN / ITIN)
What are the card details and card limit of this U.S. credit card?
- No monthly fee
- Fixed APR for the life of the card – up to 29.99%
- $1000 – $1500 starting limit, no upper limit
- Unlimited 3% cash back on airfare
- No foreign transaction fees
- Add to e-wallet and tap to pay
- Fraud protection with account-freeze capability
- Ability to increase credit limit over time
- Get $25 for every friend you refer who is approved for a credit card, up to $2,000 per calendar year.
- Real human customer support
Will I be able to increase my credit limit?
We help you gradually build your credit score and limit over time. If you want to talk about how we can increase your credit limit, you can contact us.
How can I apply?
You can click on the “Apply Now” button on the page to get started with the credit card application process.
What if I already have an SSN?
If you have an SSN, you’ll need to provide it. For further guidance, you can contact us.
How will I know if I'm approved?
After you've finished all the steps in the application process, you'll get an email notifying you of your status. If you have any questions about the status of your application, contact us.
Is there a credit check?
Yes. Even though you do not need a credit history to qualify for the U.S. credit card, we still do a credit check.
How is my credit score determined?
Your credit score is based on VantageScore 4.0.
What is VantageScore 4.0?
VantageScore 4.0 is a consumer credit scoring model developed by VantageScore Solutions LLC, an independently managed company whose members include the three national credit reporting companies – Equifax, Experian, and TransUnion.
Where can I see my credit score?
Your credit score is displayed in the credit card lender app so you can track your growth as you go. To view your credit score details:
- On the home screen, tap on credit score at the top of the lender app
- Your credit score will be displayed along with other important factors that impact your score
What's the best way to increase my credit score?
Great question! There are lots of ways to increase your credit score. Here's a few tips to help your score grow over time:
- Pay your monthly payment on time, late payments can have a negative impact on your credit score. Consider using Autopay to make this part even easier!
- Try to use less than 30% of your total credit limit, keeping your credit utilization below 30% shows that you’re using your credit card responsibly which in turn helps increase your score
- Pay your credit card balance in full each month, paying your balance in full each month not only helps you keep your credit utilization low but it also shows a history of responsible payments
- Avoid applying for too much credit at once, multiple credit applications within a short period of time can negatively impact your credit score. Only apply for credit when absolutely necessary!
- Remember, improving your credit score takes time and consistent responsible financial behavior. We can help you get there!
Disclaimer
This is not a deposit product.
This card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Disclaimer
This is not a deposit product.
This card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Student Support
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