15 top-rated best credit cards for immigrants available to New York, NY residents. Start building US credit without a Social Security Number — compare cards that accept ITIN and are designed for new US residents and international students.
1.5%–5% cash back with no annual fee.
Earn 60,000 bonus points. Strong travel and dining rewards.
100,000-point bonus. 3x on travel, shipping, advertising.
2x miles on everything. $300 travel credit. Premium perks.
4x at restaurants and U.S. supermarkets. $120 dining credit.
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
2% cash back: 1% when you buy, 1% when you pay.
5% in rotating categories. 3% dining and drugstores.
5% cash back on your top eligible category each month.
Unlimited 2% cash back. $200 bonus. No annual fee.
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
5% rotating categories. Cashback Match at end of first year.
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
3% at U.S. supermarkets, gas stations, and online retail.
Chase Freedom Unlimited® is one of the top best credit cards for immigrants available to New York, NY residents with 1.5%-5% rewards. All major credit cards are available nationwide regardless of your state.
Yes — credit card rewards, cashback, and benefits work identically regardless of your location in New York, NY. Earning rates, redemption options, and sign-up bonuses are the same nationwide. Your state does not affect how you earn or redeem rewards.
Credit card terms change frequently · Approval not guaranteed · All cards available nationwide · Q1 2026