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Credit Cards

Credit Cards for students

ZOLVE

Zolve offers a comprehensive suite of financial services tailored to meet the needs of individuals new to the United States. Here’s a detailed look at the features:

High Limit US Credit Card

  • Credit Limit up to $10,000: Whether it's daily expenses, big-ticket purchases, or emergency needs, Zolve provides a substantial credit limit to cover all your financial requirements from day one.

  • 5% Cashback on Selected Brands: Enjoy 5% cashback on purchases from five brands of your choice, allowing you to save on your favorite products.

  • 1% Unlimited Cashback: Earn 1% cashback on all other purchases, with no limits on how much you can earn.

  • Up to 10% Cashback at Over 10,000 Outlets: Get even more savings with up to 10% cashback at a wide range of participating outlets.

  • No Foreign Transaction Fees: Use your card internationally without worrying about extra charges on foreign transactions.

  • No Credit History or SSN Required: Zolve understands the challenges of being new to the country and allows you to get a high-limit credit card without the need for a prior credit history or Social Security Number.

US Bank Account

  • No SSN Required: Open a US bank account using just your visa, passport, and basic personal information. This makes it easy for newcomers to get started without the usual barriers.

  • 5-Minute Online Application: Apply for your Zolve account in just five minutes, even before you arrive in the US, so you can focus on your goals from the moment you land.

  • Direct Deposits: Easily accept your salary or stipend directly into your account, ensuring you have access to your funds without delay.

  • Payment Alerts and Reminders: Zolve helps you stay on top of your finances by sending alerts and reminders for upcoming payments, helping you build a strong credit history by paying bills on time.

  • Seamless Payments: The Zolve app integrates with Apple Pay, Google Pay, and Venmo, allowing you to make payments quickly and easily, anywhere, anytime.

  • Safe and Secure: Your funds are protected with FDIC insurance up to $250,000 through Zolve’s partner bank, giving you peace of mind.

User-Friendly Mobile App

  • Manage Money On-the-Go: The Zolve app is designed to provide a powerful and intuitive experience, allowing you to manage your finances without ever needing to visit a physical bank branch.

  • Freeze/Unfreeze Your Card: If you lose your card, you can easily freeze or unfreeze it with just a click on the app, ensuring your funds are always secure.

  • Fast Onboarding: Customers appreciate the quick and seamless sign-up process, which allows them to start using their credit card immediately.

  • High Credit Limits: The high credit limit has been a key benefit for users, enabling them to handle significant expenses soon after arriving in the US.

  • Convenience for Newcomers: Many users recommend getting a Zolve account before arriving in the US to ease the transition and have financial services ready to use upon arrival.

Zolve is re-engineering banking to empower your global ambitions, offering a range of features that make managing your finances in a new country both simple and rewarding.

Capital One

SavorOne Rewards for Students

  • Welcome Bonus: Get a $50 bonus after spending $100 on purchases within the first 3 months.

  • Cashback Rewards:

    • 3% cashback on dining, entertainment, popular streaming services, and at grocery stores.

    • 1% cashback on all other purchases.

  • Annual Fee: $0

  • Purchase APR: 19.99% - 29.99% (variable, based on your credit).

  • Balance Transfer Info: Same APR as purchases (19.99% - 29.99% variable); a balance transfer fee applies.

Quicksilver Rewards for Students

  • Welcome Bonus: Get a $50 bonus after spending $100 on purchases within the first 3 months.

  • Cashback Rewards:

    • 1.5% cashback on every purchase, every day.

  • Annual Fee: $0

  • Purchase APR: 19.99% - 29.99% (variable, based on your credit).

  • Balance Transfer Info: Same APR as purchases (19.99% - 29.99% variable); a balance transfer fee applies.

Common Features

  • No Annual Fee: Both cards do not charge an annual fee, making them cost-effective options for students.

  • Intro Bonus: Both cards offer a $50 bonus after spending $100 within the first 3 months of account opening.

  • Purchase APR: Both cards have a variable APR that ranges from 19.99% to 29.99%, depending on your creditworthiness.

  • Balance Transfer: Balance transfers are available at the same APR as purchases, but a fee applies.

These cards are great options for students looking to build credit while earning cashback on everyday purchases. The SavorOne card is ideal for those who spend more on dining and entertainment, while the Quicksilver card is perfect for students who prefer a straightforward cashback on every purchase.

Bank of America Travel Rewards Credit Card for Students:

Key Features:

  • Unlimited Rewards: Earn 1.5 points for every $1 spent on all purchases, with no limits on how much you can earn.

  • Welcome Bonus: Earn 25,000 bonus points (worth $250) when you spend at least $1,000 within the first 90 days of opening your account. These points can be redeemed as a statement credit toward travel and dining purchases.

  • No Fees:

    • Annual Fee: $0

    • Foreign Transaction Fees: None, making it ideal for international use.

  • Introductory APR: 0% Intro APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days. After the intro period, the APR will be 19.24% to 29.24% (variable).

  • Balance Transfer Fee: 3% fee for transfers made within the first 60 days; after that, the fee increases to 4%.

  • Credit Building: This card helps you build your credit history, which is important for future financial needs like renting an apartment or getting a car loan. You can also check your FICO® Score for free through Online or Mobile Banking.

  • Extra Rewards: If you're a Bank of America Preferred Rewards® member, you can earn 25% to 75% more points on every purchase.

Additional Perks:

  • Redeem Points: Use your points for travel-related statement credits, perfect for trips home or getaways.

  • Mobile Banking: Stay on top of your finances with mobile banking and text alerts.

This card is a great option for students who want to earn rewards on all their purchases while building credit responsibly, with the added bonus of no annual fees and a generous introductory APR offer.