Student Credit Card | High APY

Zolve Innovations

About this app

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.


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

Ratings and reviews

I don't recommend it. They say immediate account opening and card activation but that's not the case. It's been 20 days since I applied for account and credit card and they offered credit limit as well. However account wasn't opened yet let alone credit card. Customer service is of no use they kept saying that my application is on wait list and not sure about the timeline either. We can't reach out to them via phone or call service and the chat service in app is worst. It doesn't work.

Zolve helped me obtain my first credit card easily without even the ssn, while all other banks were hesitant to. It really gives me a helping hand when I needed it the most. Highly Recommend this for everyone! Like with any other credit card, financial prudence is necessary. So don't overspend, and repay it on time, and enjoy the benefits. Happy Zolving!

Better Options Available Easily I applied for the credit card, but even after two months or more, the application was not processed. In the meantime got the credit cards from other better institutions. For the secured card and the amount of personal data you share, I really won't recommend this to anyone. Much better options are available easily. Very bad service, not reliable at all.

What’s new

We've made some behind-the-scenes improvements to keep things running smoothly.
Bug fixes and performance enhancements included.