Introduction
Firstcard has launched a new feature enabling international students to apply for credit cards without a Social Security Number (SSN). This development removes a significant barrier that has historically prevented international students from accessing financial products in the United States.
Why This Feature Was Created
International students face substantial obstacles when attempting to obtain credit cards in the U.S. Applications are frequently rejected due to lack of an SSN and absence of U.S. credit history.
The company's CEO and co-founder, Kenji, experienced this challenge firsthand. Despite maintaining a Bank of America account with substantial savings as an international MBA student at UC Berkeley, he was denied a credit card. This experience motivated him to establish Firstcard with a mission: to become "the first credit card for every student."
The company introduced this feature following their initial product launch in September 2023, advancing their commitment to financial inclusion.
Application Requirements
International students without an SSN must provide:
- Full legal name and date of birth
- U.S. residential address
- Valid government-issued ID
- Passport ID, visa documentation, and U.S. residential address
The application process takes under two minutes.
For students who still need to obtain a U.S. tax ID, TheITIN.com offers a streamlined way to apply for an Individual Taxpayer Identification Number — a useful credential for accessing additional financial products beyond a credit card.
TheITIN.com
TheITIN.com
No SSN? No problem. TheITIN.com makes getting your U.S. tax ID (ITIN) fast and painless — 100% online. Perfect for people who need to start building credit, file taxes, or open bank accounts in America.
Standout feature
100% online ITIN application. No hidden fees. Trusted by thousands with 4.8★ on Trustpilot.
Fees
Starting at $497
Pros
Fast, fully online process. Highly rated customer support (4.8★ Trustpilot). Transparent pricing with no hidden fees.
Cons
Processing time depends on IRS (can take up to 14 weeks).
Key Features
- Credit building without overspending concerns
- Applications accepted from international students without SSN
- Up to 4.25% APY earnings with Firstcard+ account
- Up to 15% merchant cashback at 29,000 campus partner locations
- Up to 10% random cashback on qualifying purchases
- FDIC insurance protection up to $250,000
- No annual fees, account minimums, interest charges, or overdraft fees
International students with F1, H1B, or L1 visas can also consider the Zolve Credit Card, which is purpose-built for newcomers to the U.S. and requires no SSN or prior U.S. credit history.
Mission Statement
"We believe in making financial tools accessible, easy, and rewarding for every student" – including those from abroad. The feature empowers international students to pursue the same financial opportunities available to American peers.
Cards issued by Regent Bank per Mastercard license. Firstcard is a fintech company, not a bank. Valid for 18+ with account approval.
