How I got thousands of dollars for free*! The credit card game for International Students in the USA

Adit Garg
3 min readJun 29, 2021

You have made it! Thousands of miles away from your home, and foraying into adulthood with new responsibilities. And, personal finance is an important one.

Now, getting credit cards for F1 students or regular international students is a little complex, but once you get the gist it becomes simple.

Now, information about credit cards for international students out there is a little vague and sparse. All these videos about free travel, credit point hacks, etc are tempting, but, when you try to get a fancy card with nice benefits you don’t have the required SSN or ITIN. So, here we are!

Step 0: Checking account with the Bank of America or Chase

Both banks offer free checking and savings account for international students. The interest rates aren’t worth mentioning and you’d fare better off of investing that money. That said, Chase is ideal option — however, you might get denied. In that case BoA should be your next go to.

Step 1: Get the BoA Cash Rewards

Go into the closest BoA branch and explain that you’re an international student and want to apply for their BoA Cash Rewards card. They should be able to help you get all set up with a few steps. You cannot get this card online without an SSN or ITIN — you have to go in branch!

This card will help you build credit, earn excellent cash back comparable to some of the best cards in the game!

NOTE: Any aid, scholarship, and even money from your parents’ is technically non-taxable income (for credit applications).

Step 2: Get an SSN or ITIN

Until you get either an SSN or ITIN you can’t do much. Anyone can get an ITIN, but for an SSN you need to have a job — any job, a legal one, a TA role works too!

Step 3: Tier 2 credit cards

Depending on your financial status, habits, and history you can skip tier 2 cards but generally, tier 2 is a good place to start.

  • Chase Freedom Flex
  • AMEX Blue Cash Everyday
  • Citi Rewards +

These cards are some of the best in the game with excellent benefits that cover a lot of ground and they worked best for my situation. Figure out a strategy that works best for you!

Step 4: You’re set!

Once you have acquired about two-to-three tier 2 cards and at least one with a $5000+ credit limit in your line up applying for tier 3 and above will become much easier. I learned this the hard way — I was declined for the United Explorer (my city is a united hub) and they quoted “lack of comparable credit lines and history with them”. Alas, lessons were learned! Tier 3 is where you join the high rollers club and start earning some real dough, free upgrades, and amazing perks + services!

Just your first few cards should bring you a sweet no-sweat $1000!

Disclaimer: I am not a financial advisor — this is for entertainment and education purposes only. Please do your own research or reach out to a financial advisor if needed. Any advice or opinions I shared — if followed would be at your own risk and gain.

*Free: Had to meet minimum spend requirements and other formalities. The claim takes into account all the bonuses, cashback, etc I have earned in the last few years.

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