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★ BEST CARDS FOR NEW IMMIGRANTS185 UNITED KINGDOM CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — New immigrants

The best credit cards for new immigrants in United Kingdom

For new immigrants, the best cards are cards for recent immigrants building credit from scratch — issuers that accept an ITIN or passport instead of a local SSN, newcomer banking bundles, and monthly reporting to start a local file. We track 185 United Kingdom cards.

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The profile

Who this guide is for

  • You've immigrated recently and have no local credit
  • You need an issuer that accepts an ITIN or passport
  • Newcomer banking bundles and no-fee options appeal
  • You want to build a local score as fast as possible
The shortlist

Top cards for new immigrants in United Kingdom

8 ranked
№ 8
NewDayMastercard

Pulse Mastercard

Cash BackNo Annual Fee
  • Earns 0.25% back on groceries — one of your biggest spending categories
  • £0/yr annual fee
  • Earns 0.25% on Other
  • Cash Back card
Annual fee£0per year
Est. first-year value+£29Not yet checked with NewDay
No application link on file · apply through NewDayRead our review →
Method

How we picked

We start from every card we hold in United Kingdom, keep those that suit new immigrants, and rank them on estimated first-year value for a typical new immigrants profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.

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Questions

Frequently asked

What is the best credit card for new immigrants in United Kingdom?

The best card for new immigrants in United Kingdom depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits new immigrants: cards for recent immigrants building credit from scratch — issuers that accept an ITIN or passport instead of a local SSN, newcomer banking bundles, and monthly reporting to start a local file.

How did you choose these cards for new immigrants?

We start from every card we hold in United Kingdom, keep those that suit new immigrants, and rank them on estimated first-year value for a typical new immigrants profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank.

Why do some cards show no annual fee figure?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “£0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How are these cards ranked?

By that estimated value, computed by the same rules for every card, with one adjustment: a card that matches this guide's goal gains 15% of its estimated value (at least 25) in the ordering, so it can rank above a card with a higher estimated value. The figure printed on each pick is the estimate itself, without that adjustment. Our methodology page sets the rules out in full. Each card's review page marks which of its figures a published document states.