For immigrants, securing stability in a new country is crucial, and finding credit cards for immigrants with sign up bonus becomes equally important as they seek stability and additional rewards.
Adjusting to the fast-moving life of the U.S.A. is quite difficult. Each and everyday demands more and more from immigrants. So, to gain stability and to survive a normal life, each immigrant required a credit card to build their credit history.

These credit cards provide a path to build credit through rewards such as a sign-up bonus, referral bonus, gift card, or cashback on purchases. Thus, we have compiled a list of the top 5 credit cards for immigrants with sign-up bonus.
This list will help immigrants choose the best credit card for their needs and start building their credit history. Let’s get started without wasting any more time.
Credit Cards for Immigrants With Sign Up Bonus
1) Discover It Secured Credit Card

Sign up bonus: Discover will automatically match all cash back earned at the end of the first year.
Other Benefits: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn unlimited 1% cash back on all other purchases.
Annual fee: $0
Description: Like all secured credit card sign up bonuses, the Discover it® Secured Credit Card requires a deposit—a minimum of $200—which serves as your initial credit limit. But after the 7 months, Discover will review your credit profile and offer you to upgrade your credit card to an unsecured card with responsible usage, in which case your deposit would be returned.
Discover it offers a range of benefits, including enticing sign-up bonuses, making it a favorable choice among Credit Cards for Immigrants with sign up bonus.
2) Capital One Secured Credit Card

Sign Up Bonus: No welcome bonus
Other benefits: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
Annual Fee: $0
Description: Capital One allows a minimum opening deposit of $200 to a maximum ranging from $1,000 to $3,000 based on your creditworthiness. There’s no foreign transaction fee on this card.
3) Bank of America Secured Credit Card

Sign Up Bonus: No welcome bonus
Other Benefits: Earn Unlimited 1.5% Flatrate cashback reward on every purchase.
Annual Fee: $0.
Description: To open an account, you will need a minimum of $200 and a maximum of $5,000. Occasionally, Bank of America will review accounts for the return of the security deposit and graduation to a non-secured account. Cardholders also have access to FICO credit scores.
4) Bank of America Coutomized Secured Credit Card
Sign Up Bonus: No welcome bonus.
Other Benefits: Earn 3% cash back on gas, online shopping, dining, travel, and drug stores, 2% cash back at grocery stores and wholesale clubs, plus unlimited cash back on all other purchases.
Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
Annual Fee: $0
Description: In this customized secured credit card, you will require $200 and a maximum of $500. Occasionally, Bank of America will review accounts for the return of the security deposit and graduation to a non-secured account. Cardholders also have access to FICO credit scores.
5) U.S. Bank Cash+® Secured Visa® Card

Sign Up Bonus: No welcome bonus
Other Benefits: Earn 5% cash back on eligible purchases each quarter in two categories of choice, 5% cash back on travel, hotels, and rental cars booked through Rewards Travel Center, 2% cash back on eligible purchases in choice of one everyday category (like gas stations, grocery stores, and restaurants) and 1% cash back on all other eligible purchases.
Annual Fee: $0
Description: To open an account, you will need a minimum of $200 and a maximum of $5,000. Also, it has some other features like low APY, low Balance transfer and transaction fee, and 0 fraud Liability.
What is a Secured Credit Card?
A secured credit card is one in which you only require a security deposit to be deposited. Your secured card credit limit will be equal to your deposit amount.
Like the traditional secured credit cards, you can use them to make purchases, pay off a balance, and build good credit with responsible spending habits.
Along with these things, you can also gain some rewards like a secured credit card sign up bonus and cashback on purchasing.
A secured credit card with a sign up bonus is well defined as a Credit Cards for Immigrants with sign up bonus due to accessibility and potential rewards.
How does a Secured Credit Card Work?
Like other credit cards, secured credit card deposits some amount as a security deposit. In an unsecured credit card, your credit history acts like an amount.
Your deposit acts as collateral when you open a new account. If you fail to make payments or pay off your balance, the card issuer will keep your deposit and potentially cancel the account.
Every bank has a different time frame to invigilate you. After this invigilation period, when your credit score becomes good, some banks convert your secured credit card to an unsecured credit card.
How To Apply for a Secured Credit Card?
Applying for a secured credit card is nearly the same process as applying for any other credit card. You are required with your personal and business information along with your SSN.
The process differs slightly from there, as you’ll also need to link your bank account to provide the security deposit for the card.
Why do Immigrants need Secured Credit Cards?
We have summarized six reasons why immigrants need secured credit cards.
- Sign up bonus.
- Cashback
- Air Miles
- Fraud protection.
- Buy now, pay later technique
- Universally expected.
Conclusion
You, being an immigrant, necessarily require a credit card for your existence in the U.S., but if you are not eligible with a credit score, you fail to do it.
For this, some banks have introduced secured credit cards. Seeing your needs and preferences, some banks introduce credit cards for immigrants with sign up bonus. Who welcomes you with a signup bonus.
We have explained all the things about the top 5 secured cards. You may pick according to your preferences. So go for it.
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FAQ
Can immigrants apply for Credit Cards for Immigrants with Sign Up Bonus immediately upon arrival?
Generally, yes! Many credit card issuers offer these cards to immigrants upon establishing legal residency, providing a pathway to financial inclusion and sign-up bonuses.
Are there specific eligibility criteria for immigrants to qualify for Credit Cards for Immigrants with Sign Up Bonus?
While requirements may vary, immigrants often need a valid ID, a Social Security Number or an Individual Taxpayer Identification Number (ITIN), and proof of income to be eligible for these cards and their sign-up bonuses.
Will applying for multiple Credit Cards for Immigrants with Sign Up Bonus impact an immigrant’s credit score negatively?
While applying for multiple cards within a short period might temporarily affect a credit score, responsible management of these cards, coupled with the sign-up bonuses, can positively contribute to building a solid credit history for immigrants in the long run.