Get 1% cashback¹ with Adro World Mastercard®

• No SSN needed to sign up
• $0 international transaction fees
• Sign up before or after you arrive in the US

Build US credit history before getting a SSN

A good credit score helps you rent an apartment, get approved for loans, and access higher spending limits and lower interest rates. We report to US credit bureaus from your first transactions, giving you a chance to start building credit history immediately, even without an SSN.

Avoid accidental overspending

Adro World Mastercard is a secured card. Your spending limit is based on your cash deposit, preventing overspending and interest accrual. Use it like any other credit card for payments. Update your spending limits at any time by increasing your deposit.

No minimum spend requirements

A little peace of mind goes a long way. Our card works with any budget, big or small!

Plus other great benefits

Say hello to Mastercard ID Theft Protection™, Mastercard Zero Liability Protection and emergency assistance with Mastercard Global Services®. Learn more

How does it work?


Sign up for Adro with your passport and visa details


Make a security deposit. This is the credit limit for your card.


Spend using Apple Pay, Google Pay or your physical card


Your credit history is sent to Equifax, Experian, and TransUnion

Got questions?

Can I really build credit history without a SSN?

Yes! US credit bureaus will match your name, date of birth, address and other information to your Adro payment history. A Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) makes it easier to report your credit history accurately, but it isn’t required to open an Adro account.

How does the 1% cashback work?

You’ll earn 1% cashback on any qualifying purchases you make. Once your cashback balance reaches $25.00, you’ll be paid out directly to your Adro account. In other words, for every $1,000 you spend you’ll get $10 back just for using your Adro World Mastercard.

How is my money protected?

The balance in your Adro account is held in trust for you with members of the Federal Deposit Insurance Corporation (FDIC), an independent agency created by the US government. FDIC protects eligible deposits held at FDIC member institutions in case of a bank failure. Every account you open with Adro is FDIC-insured up to $250,000 through Stearns Bank, N.A., Member FDIC.

Adro launches in 2024

Your money feels at home with Adro

From rent to tuition, move and manage your money seamlessly

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