Managing money wisely is an important part of studying abroad. One of the best ways to build your financial history in the U.S. is by using a student credit card. For international students at universities like Arizona State University or Rowan University, the right credit card can help cover small expenses, build credit, and even earn rewards.
In this article, we’ll explore the best student credit cards in the USA for international students, their benefits, and how to qualify.
Why International Students Should Get a Credit Card
Getting a student credit card can help you:
- Build a U.S. credit history (important for renting apartments or getting loans)
- Manage emergencies and daily expenses
- Learn financial responsibility
- Earn rewards or cashback on purchases
Using a card wisely sets you up for long-term financial success in the U.S.
Best Student Credit Cards for International Students
Here are some top-rated student credit cards suitable for international students:
1. Discover it Student Cash Back
- 5% cashback on rotating categories (groceries, gas, etc.)
- $0 annual fee
- No Social Security Number (SSN) required for some applicants
- Free credit score tracking
2. Capital One SavorOne Student Cash Rewards Credit Card
- 3% cashback on dining, entertainment, and grocery stores
- $0 annual fee
- Requires SSN or ITIN
- Good for students with limited credit history
3. Deserve EDU Mastercard for Students
- Specifically designed for international students
- No SSN or credit history required
- 1% unlimited cashback on all purchases
- Free Amazon Prime Student for 1 year
4. Bank of America Travel Rewards Student Credit Card
- 1.5 points for every $1 spent on purchases
- No foreign transaction fees
- Ideal for students who travel frequently
- Requires SSN or ITIN
How to Qualify for a Student Credit Card
To apply, you usually need:
- Proof of enrollment at a U.S. university
- A U.S. address
- Passport and student visa (F-1 or J-1)
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- A U.S. bank account
Tip: If you don’t have an SSN, focus on cards like Deserve EDU that accept international students without one.
Smart Tips for Using Your Student Credit Card
- Always pay your balance in full every month
- Keep your credit utilization below 30%
- Set up automatic payments to avoid late fees
- Avoid applying for too many cards at once
- Track your spending with a budgeting app
Responsible usage will build your credit score and open future opportunities (like renting apartments, car loans, and even job background checks).
Final Thoughts
Getting a student credit card as an international student in the USA can be a smart financial move. It helps you build credit, handle emergencies, and earn rewards while you study. Whether you’re at Arizona State University, Rowan University, or any other U.S. college, start small, spend wisely, and pay on time to make the most of your card.