I have been in the U.S. for the past 1 year and since then I just have a Wells Fargo Debit card.

Recently I tried to apply for an American Express credit card (applied online) but I got rejected.

Which type of credit cards could I to apply to?

I know applying for Discover's credit card is the safest option.

Would the fact that I hold Wells Fargo's debit card for the past 1-year increase my chance to get accepted for Wells Fargo's credit card?

My annual salary is 20k and I am an International Student/Teacher.

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    I disagree with the VTC because an answer without specific recommendations can be given. – RonJohn Oct 4 '19 at 13:21
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    American Express cards are more difficult to get, and not as widely accepted. (IMHO they're basically marketed to the prosperous, as something of a status symbol.) Try Visa/MasterCard. You also might consider asking your school's international student office for advice. – jamesqf Oct 5 '19 at 15:09

Which credit card would you recommend to apply to?

If you don't want to try a Discover card, then get a secured (Visa or MasterCard) credit card. That's where you open a savings account with the card-issuing bank in an amount equal to the credit limit on the account.

Typically it's between $300 and $1000.

Typically after one year, you can apply for a regular unsecured card.

You probably have a higher likelihood of getting a secured card. Don't let the balance be more than 20% of the limit on the statement date, though, since that lowers your credit score. This can be fixed by paying a portion of your balance from the card's web site before the statement date.


Did you try applying for a credit card in the bank where your checking account is? That's what I did when I arrived in the US about 20 years ago. I think it was Citi bank.

  • I did not, but from what I heard Wells Fargo does not provide a credit card that easily – GAGA Oct 5 '19 at 1:28

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