Credit Card for New Immigrants
Why good credit somewhere else doesn't help here
This surprises a lot of new immigrants: Equifax, Experian, and TransUnion generally do not import credit history from other countries' credit bureaus. A small number of specific programs exist that consider foreign credit history for certain applicants, but they are the exception, not the default — most new immigrants are building a U.S. credit file from zero regardless of their history elsewhere.
What to have ready
- SSN, ITIN, or passport, depending on your specific status
- Proof of U.S. address
- Proof of income or employment, if applying for an unsecured card
- A security deposit, if starting with a secured card
Card matches
Petal 2 Visa Credit Card
Eligible MatchOpenSky Secured Visa
Eligible MatchSelf Credit Builder Account (+ optional Secured Visa)
Eligible MatchCapital One Quicksilver Secured Cash Rewards Credit Card
Info OnlyChase / American Express — ITIN accepted on most applications
Info OnlyFrequently Asked Questions
Can I use my credit history from my home country?
In most cases, no — U.S. credit bureaus generally don't import foreign credit history. A small number of specific programs are exceptions, not the default path.
What's the fastest way to build U.S. credit as a new immigrant?
A secured card or credit-builder account, used consistently with on-time payments, is generally the fastest realistic path — most people see meaningful movement within 6-12 months.
Are there any cards that do consider my foreign credit history?
A small number of specific programs consider foreign credit history for certain applicants, but they're the exception. Plan around building U.S. credit from zero as the default, and treat any foreign-credit consideration as a bonus if you find it.