Neu Money Credit Cards — Student & Newcomer Builder Options (U.S.)
Neu offers two beginner-friendly unsecured cards designed for students and internationals who are new to credit coming to the U.S. and want to build credit — even if you don’t yet have a Social Security Number.
Card Details
Neu Card 1 — No-Interest Credit Builder
- Credit limit: $350+ (can grow with on-time payments)
- Fees/APR*: $7/month flat fee, 0% APR* forever, no annual fee.
- Welcome: None, but there is unlimited 3% cash back on airfare
- Foreign transaction fee: None
- Best for: Anyone nervous about debt — you’ll never pay interest
- Bank: Cross River Bank, Member FDIC, under Visa
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Neu Card 2 — No-Fee Credit Builder
- Credit limit: $350+ (can grow with on-time payments)
- Fees/APR*: No monthly or annual fees, and carries a fixed APR* for life of the card — up to 29.99% if you don’t pay in full
- Welcome: None, but there is unlimited 3% cash back on airfare.
- Foreign transaction fee: None
- Best for: Students/newcomers who can pay off balances monthly
- Bank: Cross River Bank, Member FDIC, under Visa
Get Started >>>
About The Card
Both Neu cards are designed for people starting fresh in the U.S. — students, newcomers, or immigrants who want a normal unsecured credit card without needing a Social Security Number. That’s a big deal, since most banks won’t even look at your application without one.
The choice comes down to how you want to manage costs:
– With Neu Card 1, you’ll pay a flat $7/month, with 0% APR* . It’s predictable and safe — great if you worry about carrying balances.
– With Neu Card 2, there are no fees at all. It’s the “free” option if you’re disciplined with payments. For balances not paid in full, a predictable fixed APR* of 26.99–29.99% applies.
Both cards start small at $350+, but your limit can grow as you prove yourself with on-time payments. And unlike most beginner cards, both include an unlimited 3% cash back travel perk on airfare.
Pros
- No Social Security Number required to apply (must provide if you have one)
- Real unsecured cards (no security deposit needed)
- Credit limit grows with on-time payments
- 3% back on air travel without any caps or limits.
- No foreign transaction fees
- Quick, digital application process with fast decisions
Cons
- Neu Card 1: You always pay $7/month, even if you don’t use it
- Neu Card 2: Interest charges apply if you don’t pay in full
- Low starting limit at first
- No upgrade path — you’ll eventually need to move to another card once your credit improves
Is this card for me?
Choose Neu Card 1 if you’re new to credit, worry about carrying balances, and want the peace of mind of never paying interest — just one flat monthly fee. Choose Neu Card 2 if you’re confident you’ll pay off balances monthly and want a totally free, no-deposit way to build credit.
Either way, Neu is especially strong for students and immigrants in the U.S. without a Social Security Number — making these some of the most accessible starter credit cards you’ll find.
Quick Comparison
| Feature | Neu Card 1 (No-Interest) | Neu Card 2 (No-Fee) |
| Fees & Interest | $7/month, 0% APR* always | Fixed APR* for life of the card — up to 29.99%. |
| Best For | Carrying balances, predictable costs | Disciplined payers, lowest cost |
*Annual Percentage Rate For full rates and fees: Neumoney Cardholder Agreement | Neumoney For any other disclosures needed: Terms of Use | Neumoney Privacy policy: Privacy Policy | Neumoney This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC. Neu Card made by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. inc.
