international student credit card



Can SelfScore MasterCard be used outside of the U.S.?

No, the SelfScore MasterCard is available only to international students living and studying inside of the US. Accordingly, the credit card can only be used inside the US.

Do I need a Social Security Number (SSN) to apply for a SelfScore MasterCard?

No, an SSN is not required to apply for a SelfScore MasterCard.

Does SelfScore hard pull my credit report when I apply for a SelfScore MasterCard?

No. Because we use a different method to evaluate your application, and do not ask for an SSN during the application process, a hard inquiry will not be made on your credit history.

I am either a U.S. citizen or Permanent Resident (Green Card.) Am I eligible for this card?

At this time, our card is only available to international students studying in the US. Though, we plan to expand our program in the future!

What are the terms and conditions of the SelfScore MasterCard?

To view the details of the SelfScore MasterCard program, please visit the Terms & Conditions.

What’s the difference between secured and unsecured credit card?

Secured credit card requires that you give the issuer a security deposit, which may equal the total credit limit. For example, to get a $500 secured credit card, you may have to deposit $500 as security for the account, which you cannot use or access while the account is open. Alternatively, unsecured credit cards do not require any security deposit to open or use the credit card.

Is the SelfScore MasterCard secured or unsecured?

The SelfScore MasterCard is unsecured and does not require a security

What will my credit limit be?

Your initial credit limit will be $500. However, if you qualify, over time
you’ll have the ability to increase your limit up to $1,500.

What is the APR for a SelfScore MasterCard?

The Annual Percentage Rate for purchases made on your SelfScore MasterCard is (Prime rate + 15.49%). This APR will vary based on the Prime Rate.

Is there an annual fee?

There is no annual fee.

Are there any hidden fees?

No. All of the fees are tied to specific events and are outlined for your review in the Cardholder Agreement.

Am I required to spend a minimum amount each month to use my card?

No, there is no minimum monthly spend required of SelfScore MasterCard holders.

When will I receive any statement credits I earned?

You can earn statement credits through the following methods

  1. Refer-a-friend: You must have an active card, and you will receive the referral bonus within 1-2 billing cycles after approval of the referred card.

Applying for a Credit Card

How do I apply for a SelfScore MasterCard?

Please follow the link to apply for a SelfScore MasterCard online.

What documents does SelfScore require to apply for a credit card?

If you’re eligible, we will request your passport, US student visa, most recent I-20 form, and latest US bank account statements.

How do I submit my documents?

If you’re eligible, you will receive an email with a link to a secure portal where you can upload PDF photos or scans of your documents. For security reasons, we do not accept documents through the mail or as email attachments.

How long does it take to get approved for a SelfScore MasterCard?

After we receive all required information (passport, form I-20, student visa and recent US bank statements), it will take up to 3 business days for review and approval process.

Do you share my information with other companies?

SelfScore takes your privacy very seriously and does not share your information with anyone without your consent. Please review our Privacy Policy for more details.

Does SelfScore report to credit bureaus?

Yes. Once your account is established and after about 3 months of use, we will report your monthly account history. By reporting your account history before you have an SSN, we help you stay ahead of the curve and earn your credit score. We do, however, encourage you to update your SelfScore profile with your SSN once it’s available to ensure more accurate reporting on your credit report.

After applying, I got a message immediately saying you’re unable to offer me a SelfScore MasterCard. Why did I receive this message?

Unfortunately, our program is open only to a limited number of universities at this time, and yours is not presently on that list. We do plan on expanding our program to include several more universities in the future and will be in touch with you as soon as that happens.

Why was my application rejected?

If your application was rejected, please reference the notice you received for an explanation. If you have any additional questions about the decision, please call the SelfScore customer service at 1-800-418-2362.

Why is my application pending?

If your application is shown as pending, it means we are still in the process of reviewing it. We will reach out to you once a decision has been made and/or if we need any additional information to finish processing your application.


When will I receive my card?

Upon approval, you will receive your card in approximately 10-15 business days.

Why haven’t I received my card yet?

If you received an email confirmation that your card has been shipped and it has been more than fifteen (15) business days, please contact our customer support team at 1-800-418-7353 so that we may assist you further.

How do I make a payment?

You can make one-time payments online, by phone, or by mail. You may also schedule automatic payments through your SelfScore dashboard.

What is the minimum that I need to pay for this billing cycle?

Minimum payment information will be displayed on your SelfScore dashboard.

How can I increase my credit limit?

While we do not accept requests for credit limit increases, we will automatically apply an increase once you meet our internal requirements. Generally, this includes making your first monthly payment on-time and having a utilization warranting a credit limit increase. When you become eligible for a credit limit increase, we will notify you by email with your new limit.

Can I take a cash advance with my SelfScore MasterCard?

No. At this time, your SelfScore MasterCard does not offer this feature.

I just got my Social Security Number! How do I add it to my existing SelfScore
account? Do I need to?

Congratulations on making this big step towards your future in the U.S.! Yes, you should definitely add your SSN as soon as it’s available. This helps credit bureaus better verify your identity and can improve the quality and accuracy of the information they report on your behalf.

To add a SSN to an existing SelfScore account, please call us at 800-418-7353. Have your social security card available when you call.

Can I add an authorized user to my account?

At this time we do not allow for authorized users to be added to your account.

How can I dispute a transaction?

Please call the number on the back of your card to dispute a transaction on your account that you believe to be fraudulent.

My card was lost/stolen! How do I get a replacement card?

Please call us at 1-800-418-7353 to report your card as lost or stolen to our customer service representatives and we will issue you a replacement card.

I would like an additional copy of a past statement.

All transaction information relating to your account can be found in your online account dashboard. If you would like a physical copy of your past statement sent to you via mail, please call the number on the back of your card to request. A statement copy fee may apply.

Do you automatically close my card when I graduate?

No. You’re free to keep using your card for purchases inside the U.S. for as long as you like. Remember, even if you get another credit card, keeping your SelfScore card open increases your available credit. If you do move out of the country, please call the number on the back of your card to let us know and make sure you’ve paid off your balance and canceled any automatic billings.

Online Account Information

Can I manage my SelfScore MasterCard online?

Yes. You will create an online account for your credit card that will allow you to manage your account and settings.

What does SelfScore do with the information I provide (i.e. banking details, profile, etc)?

SelfScore does not share, sell, or rent any of your information to third party vendors. Please review our Privacy Policy for full details.

How do I view my current outstanding balance?

This information is displayed in your dashboard after logging in. Alternatively, you may call our customer service team.

When will my transactions show up on my online account history?

Your transactions are updated at least every business day. Pending transactions may also be listed, which may impact your total available credit limit. You can also call the number on the back of your card for up-to-date account information.

How do I change my personal information (address, phone number, etc)?

You can update your personal information in the Profile section of your SelfScore dashboard.