$100

$100

$100

Savings on your OPT fee

Savings on your OPT fee

Savings on your OPT fee

Unlock with Zolve Credit Card

Unlock with Zolve Credit Card

Unlock with Zolve Credit Card

Zero Annual Fee US Credit Card

No SSN
needed

No SSN needed

Build US credit history^

Cashback on every purchase

Credit limit up to $15,000^^

Get Started

Get Started

What our customer say

Zolve has been a game changer for me as a working professional relocating to the US. After using it for almost a year, I can confidently say it’s one of the most convenient and thoughtful financial solutions for newcomers. The onboarding was smooth, everyday usage has been seamless, and earning 5%+ APY after meeting their criteria has made it even more rewarding. I highly recommend it to anyone moving to the US and looking for a dependable financial partner.

man smiling to the camera

Anand Dhungav

Working Professional - Apex Group of Companies

Zolve has been a game changer for me as a working professional relocating to the US. After using it for almost a year, I can confidently say it’s one of the most convenient and thoughtful financial solutions for newcomers. The onboarding was smooth, everyday usage has been seamless, and earning 5%+ APY after meeting their criteria has made it even more rewarding. I highly recommend it to anyone moving to the US and looking for a dependable financial partner.

man smiling to the camera

Anand Dhungav

Working Professional - Apex Group of Companies

Zolve has been a game changer for me as a working professional relocating to the US. After using it for almost a year, I can confidently say it’s one of the most convenient and thoughtful financial solutions for newcomers. The onboarding was smooth, everyday usage has been seamless, and earning 5%+ APY after meeting their criteria has made it even more rewarding. I highly recommend it to anyone moving to the US and looking for a dependable financial partner.

man smiling to the camera

Anand Dhungav

Working Professional - Apex Group of Companies

5.13% - the highest APY offered for a checking account in the United States. I’ve been using Zolve since 2021, and the 5x reward points on select merchants, along with multiple redemption options, are amazing. I would definitely recommend Zolve as a beginner credit card to start building your credit history in the US!

a man with a goatee smiles at the camera

Kunal Dinesh Rana

Working Professional - Walmart

5.13% - the highest APY offered for a checking account in the United States. I’ve been using Zolve since 2021, and the 5x reward points on select merchants, along with multiple redemption options, are amazing. I would definitely recommend Zolve as a beginner credit card to start building your credit history in the US!

a man with a goatee smiles at the camera

Kunal Dinesh Rana

Working Professional - Walmart

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Disclosure

1. Build US credit history^
^The Zolve Credit Card may help improve your credit score with responsible use.
2. Credit limit up to $15,000^^
^^Actual credit limit depends on income, approval, and other factors.
3. 5.13% APY*
*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) provide a valid Social Security Number (SSN) and (c) receive $250+ in qualifying direct deposits during the same statement cycle.

Account must remain open, active, and in good standing to earn interest.

Zolve Innovations Inc. is a financial technology company, not a bank or lender. All Zolve banking services are provided by our partner bank Continental Bank, Salt Lake City, UT, Member FDIC. All cards are issued pursuant to a license from Mastercard. Cards may be used everywhere Mastercard debit or credit cards are accepted.

Zolve Innovations, Inc. 101 Eisenhower Parkway, Suite 300, Roseland, NJ 07068

Disclosure

1. Build US credit history^
^The Zolve Credit Card may help improve your credit score with responsible use.
2. Credit limit up to $15,000^^
^^Actual credit limit depends on income, approval, and other factors.
3. 5.13% APY*
*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) provide a valid Social Security Number (SSN) and (c) receive $250+ in qualifying direct deposits during the same statement cycle.

Account must remain open, active, and in good standing to earn interest.

Zolve Innovations Inc. is a financial technology company, not a bank or lender. All Zolve banking services are provided by our partner bank Continental Bank, Salt Lake City, UT, Member FDIC. All cards are issued pursuant to a license from Mastercard. Cards may be used everywhere Mastercard debit or credit cards are accepted.

Zolve Innovations, Inc. 101 Eisenhower Parkway, Suite 300, Roseland, NJ 07068