Moving to the US or Canada for studies or work?
With Zolve, you can apply for a credit card and start your financial life abroad the smart way.
Plus, manage your money better in the US with a high-yield checking account that earns up to 5.13% APY* on deposits.
With the Zolve App, you get:
US & Canada Credit Card
• Credit cards with up to $15,000 credit limit
• No SSN / SIN or credit history needed to apply
• Apply using just your Passport & Visa
• Earn cashback on all purchases
• Build your credit^ history from Day 1
US Bank Account
• Earn up to 5.13% APY* on deposits
• Quick & easy online application
• No monthly maintenance fee
• No withdrawal fees at 60,000+ Allpoint# ATMs
• FDIC-insurance up to $250,000 through our partner bank
US SIM Card
• Free doorstep delivery in India within 7–10 days
• Choose from top US telecom providers like T-Mobile & Mint Mobile
• 1 month free, exclusively for Zolve users
International Flight Bookings
• Exclusive student discounts
• Top airline partners
F1 Visa Assistance
• Expert guidance through free visa webinars
• Free visa folder to help with your prep
• 1:1 mock interview sessions
Curated Insurance Plans in the US
• Renters, Pet, Health & Auto insurance
• Best possible coverage even without SSN
• Powered by ISO & Kimber Health
DISCLAIMER:
*Annual Percentage Yields (APYs) accurate as of [10/01/2025]. Rates may change at any time without notice. Fees may reduce earnings. No monthly maintenance fee. No minimum balance required.
- 2.02% APY on all deposits.
- 3.05% APY when you maintain an active Zolve Credit Card in good standing.
- 4.08% APY when you receive $250+ in qualifying direct deposits during the same statement cycle.
- 5.13% APY when you both (a) maintain an active Zolve Credit Card in good standing and (b) receive $250+ in qualifying direct deposits during the same statement cycle.
Account must remain open, active, and in good standing to earn the disclosed APY.
^The Zolve Credit Card may help improve your credit score with responsible use.
# ATM access is provided through 60,000+ Allpoint ATMs. Zolve does not charge ATM fees, but out-of-network fees and operator surcharges may apply.
Zolve Innovations Inc is a financial technology company, not a bank or lender. All Zolve banking services are provided by our partner banks — Community Federal Savings Bank, Woodhaven, NY; or Continental Bank, Salt Lake City, UT. All cards are issued pursuant to a license from Mastercard. Cards may be used everywhere Mastercard debit or credit cards are accepted. Please check the statement/app/back of your card to know your issuing bank.
Zolve Innovations, Inc., 101 Eisenhower Parkway, Suite 300, Roseland, NJ 07068
The Zolve credit card is a mind blowing and an excellent credit card with lots of cash back and other types of offers. I applied for the Zolve credit and debit cards in India. The online process was pretty Smooth and hassle free. They also gave me a very very good credit line and last month they even increased my credit line quite significantly. Immediately, when I arrived in USA and I uploaded my I94, my Credit and debit cards were sent to my home within 5 days. The customer care is quite responsive. I remember when I landed in USA for my studies, my classes were online for initial few weeks. I needed a WiFi connection immediately. The WiFi company was asking for my credit card details to set up account. Because of my Zolve credit card, I was able to get my WiFi connection instantly and without any waiting. My friends had to wait for at least a month to start their WiFi services because they didn’t have any US bank account or debit or credit card. Zolve credit cards have made my life really convenient in USA.
Developer Response
Hi Raunak! We are simply delighted to hear that you had a wonderful experience with us. We constantly endeavor to deliver our best and your appreciation keeps us motivated.
No Support
IAHRAY
UPDATE - so the support was hard to find you have to answer a bunch of questions with their bot first. Still once I reached support they promptly escalated my issue and I got an email lfrom them a couple hours later saying the issue is now fixed they temporarily increased my transaction limit. So I’m in the middle now so I figured it’s only fair to say they are tryihv to fix it. If I am able to get my car rental in the morning I will come raise the rating to 5 stars. These people play around with your money. When you are standing at a car rental counter, you will discover that if they try to run a transaction for $585, that this card has some kind of transaction maximum or something. I don't know, but it will decline even if you have more than enough available funds on there. And when you attempt to contact support for assistance, you will find that there is no human available. And the only thing that they can do is offer to escalate your case for contact within 24 hours. They take your money, they hold it, but they even when you have more than enough money to cover the rental, they will not give you access to it, and you will be left stranded and stuck. I am withdrawing my money off this card. If I could give them zero stars, I would.
Developer Response
We are sorry for the inconvenience caused to you. Please drop an email from your registered email to hello@zolve.com. We will check the reported concern and fix it.
Zolve is the answer
arc0207
Arrived in the US and was checking for banks or financial institutions that i can open a bank account. I stumbled wiith Zolve on reddit and immediately checked it out. By reading the details i was convinced since zolve is offering a checking account plus a credit builder card and it comes with a virtual debit card. At first i wasn’t able to move forward with my application due to an issue on my address, but zolve team rectify the issue and was able to obtain a checking account, a virtual debit card, and a azpire credit builder card. Was able to utilize my account by using apple pay. Was able to utilized my checking account and connected my account with zelle venmo and paypal. Btw I was having no luck on receiving my actual Aspire Card and it took 3months. Zolve team was able to help me and received my card on a jiffy. Zolve’s service recovery is a top notch. Highly recommended for students, non-immigrant/immigrants who dont have ssn.
Best credit card ever!
theofficialpavan
Been using Zolve credit card from day one here in the United States. Thanks to Zolve, I’ve never had to use a debit card. It helped me build a good credit score in just 6 months of my time here. The cash back offers are great. You get to choose the brands which you would like to shop and get cashbacks with and there’s 1% cash back on all transactions. There’s also a 15 month 0% APR. I levered this and bought my first few gadgets here while building a good credit score. The user interface is really neat and easy. The spend insights help me keep a track of my expenses. The customer service is impeccable with 24/7 service one click away. In comparison to other credit cards, Zolve provides a higher credit limit and a better app. I’ve had a wonderful experience and I definitely recommend you guys to open up an account.
Developer Response
Hey Pavan, thank you for taking time out to write about your experience with us. Your belief in us only reinforces what we've set out to achieve: a financial world beyond borders. Happy Zolving!
We've made some behind-the-scenes improvements to keep things running smoothly.
Bug fixes and performance enhancements included.
Version 4.0.7
The developer, ZOLVE INNOVATIONS PRIVATE LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Identifiers
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More