• The premium credit card for international employees

    NO CREDIT HISTORY REQUIRED | NO DEPOSITS, NO SMALL PRINT | HIGH CREDIT LINE FROM DAY ONE

Coming to the U.S. on a work visa? We have you covered.

With the CreditStacks credit card, you can build your U.S. credit history from Day 1

No SSN or credit history required • Available now
No deposits, no small print • Benefits and rewards tailored to match your interests
Fully automated and accessible from any device • 24/7 customer support • Zero fraud liability

Compare us to other cards
Credit One Unsecured Visa American Express Platinum Credit Stacks Card
15.65%-24.15%
APR
$37
Late fee
12.99%
APR
Up to $99
Annual fees
$450
Annual fees
Optional
Annual fees
Low
Credit Limit
Low
Credit Limit
High
Credit Limit
Not Available
Without SSN
Not Available
Without SSN
Available
Without SSN
Not Available
Without a credit score
Not Available
Without a credit score
Available
Without a credit score
~ 6 months
Until available to employees
~ 2 years
Until available to employees
Immediately
Available to employees
Credit One Unsecured Visa APR: 15.65%-24.15%
Fees: Up to $99
Credit Limit: Low
Availability: ~6 Months
American Express Platinum $37 late fee
Fees: $450
Credit Limit: Low
Availability: ~2 Years
CreditStacks Card APR: 12.99%
Optional
Credit Limit: High
Availability: Immediately
How you build credit score with CreditStacks?

As an international employee, you lack the local credit history that makes you eligible for a prime-grade credit card. CreditStacks card is a credit card tailored specifically for individuals like you – high-earning, highly-educated employees, with no local credit history, but with a strong financial potential. CreditStacks card provides you with a high credit limit and best-in-class terms and benefits, in order to allow you to build your financial future.

By using CreditStacks very high credit limit (up to $7000), you can rapidly build your credit score. We report your positive utilization of the credit line to the Credit Bureaus, so that other credit suppliers (banks, lenders, etc.) can quickly learn that you are a strong credit customer. We will provide you with all the needed guidelines and recommendations regarding best use of the credit limit, in a manner that will contribute to your credit score.

"When I moved to California I earned $110,000. However, it took me 6 months to get my first credit card, which had a low credit limit and bad terms."

Arjun Mattu

"The first credit card I got issued, 6 months after my arrival to the US, was secured and had only $500 credit limit. I practically wasn't using it at all, and after two years in the US I'm still using only my debit card and have a poor credit score."

Saar Koren

"I still remember the unpleasant experience of stepping into the local bank branch asking for a credit card, and the total refusal I received."

Chow Zhang
What you get with our card
Trust

We’ve been there. Moving to a new country, struggling to build a credit score, being denied by the system again and again. We know who you are and what you are worth. We trust you. We issue you a premium credit card. No SSN or local credit history needed.

Credit

We understand your financial needs. You deserve more than a Debit Card. You are worth more than a $500 secured credit limit. We issue you a credit card with up to a $5,000 credit line on day 1 so you can begin to build the next chapter of your life.

Safety

We have your back. Moving to a new country is full of uncertainties. CreditStacks provides you with peace of mind – full fraud protection and zero liability in case your card is lost or stolen; no unexpected fees; tailored, custom alerts to give you full control.

Accessibility

The application process is simple and fully automated. You can manage the card from anywhere – easily login to see your expenses, manage alerts, redeem rewards and manage your credit. With 24/7 customer support and a world-class mobile app.

Community

You are not alone. CreditStacks brings newcomers together, offering opportunities to connect, and access to relevant content. Our rewards and benefits program is made specifically for the community you belong to.

Sign up now to our waiting list