Easy Application
Get a credit card without an SSN.
We designed a credit card for immigrants without an SSN. Apply with your passport if you have just arrived in the U.S. and do not have an SSN or ITIN.
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Credit Building
Build your credit score from the moment you arrive in the US.
Start building your credit score as soon as you arrive in the US with Set Pay. Impeccable beauty and functionality converge in both card and app.
Fast Approval
No SSN Required
Global Coverage
International wire transfers.
Send and receive money globally with ease using our international wire transfer services, whether it is to support your family, pay for studies, or manage business transactions.
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Family Banking
A card for everyone in the family.
Provide your loved ones with the financial tools they need. With Set Pay, everyone in your household can enjoy a premium, accessible, and secure banking experience.
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Rewards
Earn up to 15% cashback at over 29,000 partner merchants
Whether it's coffee, groceries, dining out, or online shopping, enjoy cashback that returns money directly to your pocket.
Start NowT
+$0.34
Teaspoon
Cashback
F
+$0.60
Fanatics
Cashback
V
+$0.90
Vitality Bowls
Cashback
4.00%
4.00%
4.00%
4.00%
4.00%
High Yield
Earn up to 4.00% APY¹ on your money
The national average interest rate for savings accounts is 0.42% APY¹².
We are not greedy. We want to offer our members a much better rate so they can grow their money faster.
| Institution | APY |
|---|---|
| Set Pay Premium | 4.00% |
| Chase | 0.01%⁶ |
| Bank of America | 0.01%⁷ |
| Wells Fargo | 0.01%⁸ |
What is APY?
APY is short for 'annual percentage yield', which is the interest you earn by putting your money into a bank account. The higher the APY is, the faster your money grows. The national savings average is just 0.45.
Currently, users without an SSN are not eligible for APY. To earn APY, apply for an Individual Taxpayer Identification Number (ITIN). We've partnered with an IRS-Certified Acceptance Agent to help you get your ITIN. Apply for an ITIN here today!
Why Set Pay is a great credit card for immigrants
Immigrants deserve financial tools that are accessible and easy to use, even without credit history in the U.S. Set Pay enables immigrants to start building credit in the U.S. by offering features designed for those new to the system.
Set Pay
No SSN Needed
Set Pay is a better credit card for immigrants because no SSN is needed for approval. Apply with your passport along with your visa or ITIN.
No Utilization Concerns
What you deposit is what you can spend, ensuring there is never any risk of exceeding your limit which can hurt your credit score.
0% APR
Unlike traditional credit cards, Set Pay offers 0% APR making it a better option for immigrants worried about overspending or debt.
No Foreign Fees
For immigrants looking to build credit, or while traveling abroad, Set Pay allows users to spend worldwide with absolutely no fees.
Build Credit & Cashback
Earn up to 15% cashback. Your responsible usage is reported to all major credit bureaus, building your score steadily over time.
Bilingual Support
Set Pay offers customer support in English and Spanish. Reach out via email or by using the chat feature in the app. We are happy to help!
Support
Frequently Asked Questions
Everything you need to know about getting started and building your credit with Set Pay.
If you are an immigrant or non-US citizen, start by looking for banks and financial institutions that offer credit cards designed specifically for immigrants. For example, you can apply for a credit card with Set Pay even without an SSN. Set Pay understands the unique needs of immigrants and does not require an SSN or credit history. With Set Pay, immigrants can get a credit card using their passport. Once you get a credit card, use it responsibly to build your credit history in the US.
Of course! Set Pay is one of the best credit cards for immigrants because it accepts applicants without an SSN. Instead, Set Pay uses passports or an Individual Taxpayer Identification Number (ITIN) for verification, making it much easier for immigrants and non-US citizens to start building credit in the US.
As a new immigrant with no credit history in the US, you can build credit by obtaining a credit card for immigrants. Look for financial institutions that offer credit cards designed specifically for immigrants, which often do not require US credit history or an SSN. Set Pay is an excellent first card for new immigrants.
After opening Set Pay, make sure to pay your bills on time, as punctuality significantly impacts your credit score. More importantly, keep your credit card balances low relative to your credit limit to demonstrate responsible credit use. The good news is that the Set Pay secured credit card does not have a credit limit, so you don't need to worry about exceeding credit usage! What you deposit is what you can spend!
When choosing a credit card for immigrants, look for features like no SSN requirement, low interest rates, rewards programs, and credit-building tools.
Set Pay is an excellent credit card for immigrants because it helps build credit, does not require an SSN, has 0% APR, offers up to 15% cashback at thousands of partner merchants, and provides multilingual customer support in English, Chinese, Japanese, Spanish, and Portuguese. Plus, if you have an ITIN and SSN, you can earn up to 4.00% APY on the money in your Set Pay Premium account.
To use a credit card for immigrants responsibly, follow these tips:
- First, open a credit-building card or a secured credit card like Set Pay to help you build credit with every purchase.
- Second, establish a monthly budget and deposit that amount into your credit card account to ensure you don't spend more than planned. You can automate this deposit by setting up direct deposit with employers or family members.
- Third, make sure to pay the full balance every month to avoid interest charges and build a positive credit history. With Set Pay, you can turn on the AutoPay feature in the app to ensure you always make payments on time.
- Fourth, make purchases using your credit-building card so that you increase your credit history every time you spend.
- Finally, monitor your account regularly to spot any unauthorized transactions. Watch how your credit score increases with on-time monthly payments. With Set Pay, you can monitor your credit score directly in the app.
