Free plans only

8 Best Free Credit Cards for Immigrants and Newcomers of 2026

By the Rankozo research desk · Updated November 11, 2026

8 of the 9 tools in our best credit cards for immigrants and newcomers ranking offer a permanent free plan. Zolve Credit Card scores highest among them at 8.9 out of 10.

1. 01

   Zolve Credit Card

   Newcomers without a Social Security number

   $0 annual fee

   Full entry, No. 1 overall

   Paid from

   Free

   Score 8.9

2. 02

   American Express Blue Cash Everyday Card

   Newcomers with a strong credit file abroad

   $0 annual fee

   Full entry, No. 2 overall

   Paid from

   Free

   Score 8.8

3. 03

   Capital One Platinum

   Newcomers with an SSN or ITIN but no U.S. score

   $0 annual fee

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.5

4. 04

   Chase Freedom Rise

   Newcomers who bank with Chase

   $0 annual fee

   Full entry, No. 4 overall

   Paid from

   Free

   Score 8.4

5. 05

   Discover it Secured Credit Card

   Newcomers who want rewards on a secured card

   $0 annual fee; refundable deposit of $49, $99 or $200

   Full entry, No. 5 overall

   Paid from

   Free

   Score 8.4

6. 06

   Petal 2 Visa

   Newcomers who want no fees at all

   $0 annual fee

   Full entry, No. 6 overall

   Paid from

   Free

   Score 8.2

7. 07

   Capital One Platinum Secured

   Newcomers who need a low deposit

   $0 annual fee; minimum refundable deposit of $49, $99 or $200

   Full entry, No. 7 overall

   Paid from

   Free

   Score 8.0

8. 08

   U.S. Bank Secured Visa Card

   Newcomers who want a larger secured limit

   $0 annual fee; deposit of $300 to $5,000

   Full entry, No. 9 overall

   Paid from

   Free

   Score 7.1

Scores and prices come from our Best Credit Cards for Immigrants and Newcomers ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com