Cameron DiGiovanni, Writer
@cdigiovanni20
The best credit card for new U.S. immigrants is the Capital One Quicksilver Secured Cash Rewards Credit Card. Even newcomers with no credit history or SSN have good approval odds as long as they are at least 18 years old and have a U.S. mailing address along with an Individual Taxpayer Identification Number (ITIN). This card can also save you money, offering 1.5 - 5% cash back on purchases with no annual fee.
Best Credit Cards for New Immigrants
American Express, which requires good or excellent credit for approval, might seem like an odd fit for this list. However, Amex can use its Credit Passport tool to issue personal credit cards to new immigrants who have yet to build credit in the U.S., but have credit history from select international countries. Applicants can authorize American Express to access their international credit history, which can increase their approval odds for Amex credit cards.
Building a positive credit history with the U.S. credit bureaus is important for anybody who intends to stay in the United States long-term. Your U.S. credit score will impact your ability to rent an apartment, purchase a car, buy a house, and even get a job. Getting one of these credit cards and using it responsibly is a great first step toward building an excellent credit score.
2026's Best Credit Cards
Popular Credit Cards
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Good Credit
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People also ask
What are the best entry-level credit cards?
The best entry-level credit card is the Petal® 2 Visa® Credit Card card because it accepts people with limited credit, offers 1 - 1.5% cash back on purchases, and has a $0 annual fee. The Petal 2 Card also reports account information to the major credit bureaus monthly, helping you build credit over time.
Best Entry-Level Credit Cards in 2026
While there are many types of credit cards, entry-level credit cards generally come in three main varieties: secured, unsecured, and student credit cards. Each type of credit card...
read full answer by Ryan P Page, Staff WriterWho needs a starter credit card?
Most people consider their first credit card to be a “starter” credit card. As such, the types of people who typically need starter credit cards include:
- Young People
- Immigrants
- Divorcees & Widowers (who haven’t had credit under their own name in the last few years)
All of these groups tend to have minimal credit history, either because they haven’t been eligible to access credit for very long or because circumstances that previously...
read full answer by John S Kiernan, Managing EditorWhat kind of credit card should you start with?
You should start with a secured credit card, a student credit card, or an unsecured card for no credit. These kinds of credit cards are easy for beginners to get, and you should look for one that has a $0 annual fee, rewards for every purchase, and monthly reporting to the major credit bureaus. This will help you save money and build credit if you manage the account responsibly.
Good Credit Cards to Start With in...
read full answer by Milvionne Chery Copeland, WriterDid we answer your question?
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