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Nomad Credit - Loans, Scholarships & More

US Credit Card

Build Your
US Credit History

Whether you’re preparing to study in the U.S. or already settling in, we’ve got you covered. A U.S. credit card helps you build credit from day one, unlocking better rates on loans and insurance, easier approvals for rentals and refinancing, and even boosting job applications. Plus, enjoy everyday perks like cashback rewards, strong fraud protection, and smarter financial control.

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US Credit Card (without SSN)

Get a U.S. credit card before you even land in America. No SSN or U.S. address required.

No SSN needed, apply with passport and visa

Up to $15,000* credit limit

Instant approval & virtual card

Zero annual fee

Apply Now

Benefits of US Credit Card

A U.S. credit card is not just a payment tool, it's your gateway to financial freedom and everyday perks

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Exclusive Rewards

Access travel points, sign-up bonuses, extended warranties, and purchase protection
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Fraud Protection

Zero liability for unauthorized charges. Shop online and in-store with peace of mind
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Build Credit History

Timely payments enhance your credit score, leading to better loans and lower rates
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Essential for U.S. Life

Credit cards simplify daily tasks by streamlining purchases and managing expenses
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Exclusive Card

Access travel points, sign-up bonuses, extended warranties, and purchase protection.
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Fraud Protection

Zero liability for unauthorized charges. Shop online and in-store with peace of mind
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Build Credit History

Timely payments enhance your credit score, leading to better loans and lower rates.
3d casual life mobile banking cashback

Essential for U.S. Life

Credit cards simplify daily tasks by streamlining purchases and managing expenses.

Why Credit History & Score Matter

A solid US credit history unlocks easier loan approvals, refinancing opportunities, and better financial outcomes for international students

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Quick Loan Approvals

Get personal and auto loans with quicker approvals and lower interest rates

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Refinancing Student Loans

Refinance loans to affordable U.S. terms using your score

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Access Premium Services

Get approved for premium credit cards, reward points, and insurance deals.

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Renting a Apartment

Easily qualify for apartments without a U.S. co-signer or high security deposits

Apply Now

How it works?

Get Your U.S. Credit Card in 4 Simple Steps

Check Eligibility

Answer a few quick questions to instantly see if you qualify, with no impact on your credit score.

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Apply Online

Complete your application in minutes using just your passport and visa

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Get Your Card

Receive instant access to a virtual card for online shopping while your physical card ships to you

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Build Credit Automatically

Receive your university offer letter timely and get help with loans, visa, scholarships, etc.

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Start Building Your US Credit History Today

Get started with your US credit card application today!

Apply Now

Frequently Asked Questions

About U.S Credit Card

Do I need an SSN to get a U.S. credit card? 

For most student cards, yes. Some newcomer cards allow pre-arrival applications without SSN. 

Does Nomad store my SSN? 

Nomad only inquires if you possess an SSN—Yes or No. You provide your SSN directly to the bank.

Can applying hurt my credit score?

Most student card applications begin with a soft inquiry, which does not affect your score. 

Can I apply without income?

Definitely! Student cards accept:

  • On-campus jobs
  • Assistantships
  • Low-income
  • Expected income

Why not use a debit card?

Debit cards: 

  • Have weaker fraud protection
  • Don’t help build credit 
  • Don’t offer cashback/rewards

Credit cards are safer and more beneficial

Is it safe for international students?

Yes, U.S. credit systems are secure and widely used. Just pay on time and keep usage low.