Get 1% cashback¹ with Adro World Mastercard®

• No SSN or credit check needed to sign up
• $0 international transaction fees
• Set your own spending limits

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

You're in control with the Adro World Mastercard. Your spending limit is based on the balance in your reserve account, preventing overspending. Use it like any other credit card for payments. Update your spending limits at any time by adding money to your reserve account.

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?

STEP 1

Sign up for Adro with your passport and visa details

STEP 2

Add money to your reserve account. This is the spending limit for your card.

Image of Adro app showing currency in home currency or US dollars

STEP 3

Spend using Apple Pay, Google Pay or your physical card

Image of Adro being used by Apple Pay or Google Pay

STEP 4

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.