Pay Your OPT Fees.

Pay Your OPT Fees.

Pay Your OPT Fees.

Get $50 Back.

Get $50 Back.

Use your Zolve Credit Card for your OPT payment and receive
 $50 as a statement credit

Use your Zolve Credit Card for your OPT payment and receive
 $50 as a statement credit

No SSN required • Up to $15,000 limit • Cashback on every spend

No SSN required • Up to $15,000 limit • Cashback on every spend

Start Your Application

86K+

#

active users

active users

In partnership with

In partnership with

Simple. Fast. Rewarding.

1

Get Zolve Credit Card

Apply in minutes — no SSN or credit history required

Pay your OPT fees

Use your card to complete the payment

2

Get $50 back

Statement credit in your next billing cycle

3

A Credit Card That Works for You

No SSN Required

Apply and get approved even without an SSN

Credit Limits

Up to $15,000 based on your profile

Cashback on Every Spend

Earn rewards on all your transactions

Build Your U.S. Credit Score

Reported to major credit bureaus

Zero Annual Fee

Keep your card active at no extra cost

Get Your Zolve Credit Card

Get Your Zolve Credit Card

What our customer say

In India, credit score wasn’t a barrier — but in the U.S., everything is tied to it. With Zolve, I was able to build a credit score from day one. Instead of booking appointments just to open a U.S. checking account, the entire process was hassle-free with Zolve.

man smiling to the camera

Harika Koduru

Clark University

In India, credit score wasn’t a barrier — but in the U.S., everything is tied to it. With Zolve, I was able to build a credit score from day one. Instead of booking appointments just to open a U.S. checking account, the entire process was hassle-free with Zolve.

man smiling to the camera

Harika Koduru

Clark University

I loved the onboarding experience with Zolve — it barely took any time at all. You also get your credit limit instantly instead of waiting for days like traditional banks. Can’t wait to get my card once I reach the U.S.!

a man with a goatee smiles at the camera

Varun G

MBA, Harvard Business School (2023)

I loved the onboarding experience with Zolve — it barely took any time at all. You also get your credit limit instantly instead of waiting for days like traditional banks. Can’t wait to get my card once I reach the U.S.!

a man with a goatee smiles at the camera

Varun G

MBA, Harvard Business School (2023)

Apply Now

Apply Now

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