Zolve Black is the top-tier of credit cards marketed for students and working professionals moving to the U.S., although it’s available for U.S. citizens as well. It comes with solid rewards options and flexible eligibility requirements.
Rewards: Earn up to 5% cash back on 5 brands of your choice (up to $3,000 in spend per quarter) and 1.5% cash back on everything else.
Welcome offer: Earn 5,000 reward points (worth $50) upon completion of milestones and tasks provided in the card application.
Annual fee: $29.99/month or $299 (if paid annually)
Other benefits and drawbacks: The Zolve Black card doesn’t come with a foreign transaction fee, but it does have a “subscription fee” that takes the place of an annual fee. You can pay the subscription fee as $29.99/month or $299 (if paid annually), but you must choose the annual version if you want a Mastercard-branded Zolve card that packs a few travel-related benefits, including LoungeKey airport lounge access, airport concierge service and global emergency services.
The Zolve Black’s ongoing APR is lower than average. It also doesn’t require a credit history or Social Security number to apply, as long as you can show a visa and passport and provide basic personal information. If you’re coming from another country and need a U.S. credit card, this could be an option.
The card offers rewards of up to 5% cash back on 5 brands of your choice (up to $3,000 in spend per quarter) and 1.5% cash back on everything else with the monthly fee option.
