Neu Money Credit Cards — Student & Newcomer Builder Options (U.S.)
*Neu offers two beginner-friendly unsecured cards designed for students and immigrants coming to the U.S. who 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 3% back on air travel (up to $1,000 spend/yr)
- Foreign transaction fee: None
- Best for: Anyone nervous about debt — you’ll never pay interest
- Bank: Cross River Bank, Member FDIC, under Visa
Neu Card 2 — No-Fee Credit Builder
- Credit limit: $350+ (can grow with on-time payments)
- Fees/APR: No monthly or annual fees, but carries a variable APR if you don’t pay in full
- Welcome: None, but 3% back on air travel (up to $1,000 spend/yr)
- Foreign transaction fee: None
- Best for: Students/newcomers who can pay off balances monthly
- Bank: Cross River Bank, Member FDIC, under Visa
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 pay a flat $7/month, but never pay interest. It’s predictable and safe — great if you worry about carrying balances.
– With Neu Card 2, there are no fees at all, but if you don’t pay your balance in full, you’ll pay interest. It’s the “free” option if you’re disciplined with payments.
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 a 3% travel perk — capped at $1,000 spend per year.
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 (up to $1,000 spend/yr)
- 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 | No fees, variable APR |
| Best For | Carrying balances, predictable costs | Disciplined payers, lowest cost |
