Finding the right credit card as a newcomer in the USA can be challenging, but Zolve has changed the game. Zolve combines flexibility, affordability, and accessibility in one powerful credit card. The facility to apply online in India and get your card delivered on reaching the USA makes it a popular choice among Indian students and professionals shifting to the USA. Discover its features like high credit limits, zero joining fees, and credit-building support as read on.
Also Read: Comparison of Forex Card vs Credit Card, Debit Card, and Cash
Why Should You Choose Zolve Credit Card?
- High Credit Limit Up to $10,000
Zolve offers an impressive credit limit of up to $10,000, allowing users to handle various expenses.
- No SSN or US Credit History? No Problem
One of Zolve’s standout features is that it does not require a Social Security Number (SSN) or a US credit history to issue its credit card. This makes it an excellent choice for newcomers to the US, including international students and professionals.1
- Zero APR and Foreign Transaction Fee
Apart from other credit cards from India with Zolve credit cards you can save on currency conversion fees. With no APR for the first six months, international students can easily manage their initial expenses until they find a job.
- Build Credit Score Effortlessly with Zolve App
Zolve is designed to help users establish and improve their US credit score from day one. It reports payments to the major US credit bureaus and offers app-based tools like payment reminders and credit-building tips, making credit management seamless.
What is SSN?
Social Security Number (SSN) is a code assigned to US citizens, permanent residents, and certain non-immigrant visa holders including students and workers. Similar to the PAN card in India, an SSN is required for conducting financial activities in the USA.
Types of Zolve Credit Cards
Zolve offers three variants of credit cards namely,
- Classic
- Signature
- Black
To explore the benefits offered by each variant visit Zolve’s official website.
Zolve Credit Card Charges
Given are the rates and fees charged for All variants of Zolve Credit Cards:2
| Card Type | Annual Fee | Monthly Fee | APR After 6 Months | Late Payment | Return Payment |
| Classic | Nil | Nil | 16-35% | Up to $40 | Up to $40 |
| Signature | $119.99 | $11.99 | 16-35% | Up to $40 | Up to $40 |
| Black | $299 | $29.99 | 16-35% | Up to $40 | Up to $40 |
How to Apply for a Zolve Credit Card?
- Visit zolve.com and apply for a Zolve credit card.
- Create a Zolve profile by entering your address, contact information, and educational details.
- Complete your credit card application and upload the necessary documents.
- Zolve officials shall verify your personal and financial background based on the information and documents you have provided and will assess your credit limit.
- Zolve will then contact you via email or phone to confirm your credit card application and offer you a card that suits your credit profile.
- Your virtual Zolve credit card gets activated.
- You shall receive your physical Zolve credit card within 10-14 working days once you reach the USA and upload your US address.
Documents Required
The following documents are needed for Indian immigrants to apply for a Zolve credit card:3
- Passport
- PAN
- Visa
- I-20 / Offer letter
Zolve Credit Card or ExTravelMoney Forex Card- Which is the Best Option
Forex cards are an affordable financial tool for meeting expenses while being abroad without hefty fees and credit history verification. Different from these prepaid cards, Zolve credit cards are for Indian travellers who desire to build a credit history for their future financial steps. So make an informed decision after evaluating your priorities.
Also Read: 11 Forex Cards for Students Travelling Abroad: Benefits & Features
Article Sources:
Ann Mariya Job is the Associate Content Writer at ExTravelMoney.com. Holding a Bachelor’s in Journalism, she excels in creating deeply researched, engaging, and crisp content. Her work helps readers understand the complexities of foreign exchange, overseas money transfers, and international travel.