# DanHana

> DanHana is a web app that tells you the one card to use before every purchase, tracks expiring benefits and credits, and warns you before an annual fee renews. It stores only the last 4 digits of your cards - never full card numbers.

## Facts
- Site: https://danhana.co (by ThyMedia)
- Catalog: 100 US credit cards; benefit data is re-checked quarterly.
- Free tier: a wallet of up to 3 cards, best-card recommendations, merchant search, on-site expiry alerts, and a monthly missed-money report (total).
- Premium: $6/month or $60/year. It unlocks email alerts, annual-fee renewal analysis, signup-bonus watch alerts, the application strategy tracker, the household (spouse/partner) wallet, and the full missed-money breakdown.
- Household wallet: when two partners link wallets, one member's Premium covers both.
- Languages: English at the plain URLs, Korean under /ko/.

## What it does
- Best-card recommendations: ranks the cards in your own wallet across 20 spend categories and 150+ merchants, using real effective rates (point values and caps included).
- Expiry alerts: credits, free-night certificates and quarterly 5% activation deadlines are tracked. On-site alerts reach everyone; email alerts are Premium; alerts can also be added to a calendar.
- Annual-fee renewal analysis (Premium): a month before a fee month, the credits you checked off plus an estimate of the points you earned are weighed against the fee, with a plain-language keep / downgrade / cancel verdict.
- Signup-bonus tracker: each card's current welcome bonus against its all-time high, plus a watch list that alerts you when a watched bonus rises (Premium email alerts).
- Monthly missed-money report: adds up the value you captured and any money left on the table; every member gets it, and the per-item detail is Premium.
- Application strategy tracker (Premium): your logged applications checked against widely known issuer rules (for example Chase 5/24), showing when an application cooldown (waiting period) ends.

- Chrome extension: at checkout in desktop Chrome, the best card from your own wallet — on 60 verified domains it appears automatically, on other sites through the toolbar popup, reading only the domain and the cart total.

## Answers

### Starting US credit without an SSN
Arriving in the US is a chicken-and-egg problem: no credit history means no card approval, and no card means no history. The order that works:
0. First check: can you get an SSN on your visa? Visas with US work authorization — F-1 students with on-campus jobs or OPT, J-1, H-1B, and similar — qualify for an SSN. If that is you, get the SSN first, not an ITIN. An SSN opens every issuer and every product, and you skip the later hassle of moving a record from an ITIN to an SSN.
1. Get an ITIN first. An ITIN is a 9-digit tax-processing number issued by the IRS for people who cannot get an SSN but need to file US taxes. Several issuers accept it in place of an SSN. It is not work authorization, not immigration status, and not eligibility for Social Security benefits. You apply with IRS Form W-7. The IRS charges no fee, and in most cases you file it together with a federal tax return. A valid passport alone proves both identity and foreign status. Processing usually takes about 7 weeks, or 9 to 11 weeks in peak season (January through April) or when applying from abroad. Once issued, the IRS mails you Notice CP565.
Full guide: https://danhana.co/blog/guide-ssn-free-start (Korean: https://danhana.co/ko/blog/guide-ssn-free-start)

### Cards with no foreign transaction fee
70 open cards charge no foreign transaction fee. Highest flat rates on everything: Bilt Palladium Card — 3.6% on everything ($495/year); Robinhood Gold Card — 3% on everything (no annual fee); Capital One Venture X Rewards Credit Card — 2.8% on everything ($395/year); Capital One Venture Rewards Credit Card — 2.8% on everything ($95/year); Citi Strata Elite℠ Card — 2.25% on everything ($595/year). Rates are the flat everything rate; category bonuses can be higher.
Full ranking by category: https://danhana.co/no-ftf (Korean: https://danhana.co/ko/no-ftf)

### First US credit card
50 open cards have no annual fee. Flat-rate examples: Robinhood Gold Card, Citi Double Cash® Card — 3% back on everything, no annual fee. The guide covers four paths — secured, student, credit union, and authorized user.
Guide: https://danhana.co/first-card (Korean: https://danhana.co/ko/first-card)

## Key pages
- Home: https://danhana.co/ (Korean: https://danhana.co/ko)
- Pricing: https://danhana.co/pricing (Korean: https://danhana.co/ko/pricing)
- Alert guide: https://danhana.co/alerts (Korean: https://danhana.co/ko/alerts)
- Blog: https://danhana.co/blog (Korean: https://danhana.co/ko/blog)
- About: https://danhana.co/about (Korean: https://danhana.co/ko/about)
- Methodology: https://danhana.co/methodology (Korean: https://danhana.co/ko/methodology)
- Chrome extension: https://danhana.co/chrome-extension (Korean: https://danhana.co/ko/chrome-extension)
- Spend-category rankings: https://danhana.co/pay-at (Korean: https://danhana.co/ko/pay-at)
- Card comparisons: https://danhana.co/vs (Korean: https://danhana.co/ko/vs)
- Card perks: https://danhana.co/perks (Korean: https://danhana.co/ko/perks)
- First card: https://danhana.co/first-card (Korean: https://danhana.co/ko/first-card)
- Credit guides: https://danhana.co/credit-guides (Korean: https://danhana.co/ko/credit-guides)
- Issuer rules: https://danhana.co/rules (Korean: https://danhana.co/ko/rules)
- Break-even analysis: https://danhana.co/breakeven (Korean: https://danhana.co/ko/breakeven)
- No foreign transaction fee: https://danhana.co/no-ftf (Korean: https://danhana.co/ko/no-ftf)
- Compare cards: https://danhana.co/compare (Korean: https://danhana.co/ko/compare)

## Korean summary
DanHana는 결제 전에 내 지갑 속 카드 중 단 하나의 카드를 골라 알려주고, 사라지는 혜택과 크레딧을 미리 챙겨주며, 연회비가 나가기 전에 유지할 가치가 있는지 분석해 주는 웹 서비스입니다. 카드 번호는 끝 4자리만 저장합니다. 무료 등급은 카드 3장까지의 지갑, 최적 카드 추천, 가맹점 검색, 사이트 내 만료 알림과 월간 놓친 돈 리포트(총액)를 제공합니다. Premium은 월 $6(연 $60)이며 이메일 알림, 연회비 갱신 분석, 가입 보너스 알림, 신청 전략 트래커, 배우자 가구 지갑, 놓친 돈 상세를 엽니다. 가구 지갑은 한 사람의 Premium으로 두 사람 모두 쓸 수 있습니다. 크롬 확장 프로그램은 데스크톱 크롬 결제 화면에서 내 지갑 기준 최고의 카드를 보여주며, 60개 확인된 도메인에서는 자동으로 뜨고 그 외 사이트에서는 툴바 팝업으로 확인하고, 도메인과 장바구니 금액만 읽습니다. SSN 없이 시작하기·해외 수수료 없는 카드·첫 카드에 대한 답은 위 Answers 절에 있다.