Can I get a credit card in the USA without SSN or ITIN?
If you don't have an ITIN or SSN, you may be able to apply using other identifying documents, such as your passport. If you're unsure of how to apply online, call the card issuer and ask to speak with a representative or visit a local bank branch.
You can get a credit card without an ITIN or SSN by applying for cards from Bank of America, which accept other forms of identification, like a passport, instead of an SSN or ITIN.
All U.S. Bank credit cards accept an ITIN in place of an SSN. Fill in the application with your personal and financial information. Provide an ITIN instead of a Social Security number. Submit the application.
Most credit card applications require an SSN or ITIN. International students with an F-1 visa that provides work authorization in the U.S. can apply for an SSN and thus be able to qualify for most student credit cards.
Building credit without a Social Security number can be difficult, but it isn't impossible. Credit card issuers can't require you to provide a Social Security number. Instead, issuers may ask for an individual taxpayer identification number (ITIN).
- Chase Freedom Rise℠ New to Credit. ...
- Capital One Quicksilver Secured Cash Rewards Credit Card. Limited, Bad. ...
- Petal® 2 “Cash Back, No Fees” Visa® Credit Card. Limited, Fair, Good, Excellent. ...
- Rates & Fees. Discover it® Secured Credit Card. ...
- Rates & Fees.
Recommended credit cards for immigrants include Capital One Secured Mastercard, Discover It Secured Mastercard, US Bank Secured Credit Card, First Progress Platinum Prestige MasterCard Secured Credit Card, and OpenSky Secured Visa Credit Card, depending on individual needs and preferences.
If you do not have a Social Security Number (SSN) enter your Individual Tax Identification Number (ITIN). If you do not have an SSN or ITIN leave the entry field blank.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
You don't need to be a U.S. citizen to qualify for a credit card in the U.S. However, credit card companies must verify your identity, and some companies choose to only offer cards to U.S. citizens or permanent residents who have a Social Security number (SSN).
Can I open Capital One without SSN?
What's required to open a checking account is probably right at your fingertips. If you open it in person, you'll likely need two forms of ID (such as a driver's license, Social Security card, passport or birth certificate) and proof of address (by way of a utility bill, mortgage statement, lease or similar document).
- A permanent address. Lenders want to know they'll be able to find you if necessary. ...
- A taxpayer ID number. You don't need a Social Security number to get a credit card, but it helps to get an individual taxpayer identification number.
Undocumented immigrants in the U.S. face a number of challenges, but building credit doesn't have to be one of them. Avoid predatory lenders, such as payday loan companies and other high-interest, high-fee loans, and seek out legitimate banks and credit card companies that cater to under-served populations.
Use an ITIN To Apply for a Credit Card
If you don't have a Social Security number, you might be able to open a credit card account with an Individual Taxpayer Identification Number, or ITIN. That move could help you establish a credit file with the three major credit bureaus.
Yes, you must have a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) to apply for an American Express Card.
Yes, you can get a Chase credit card without a Social Security number (SSN), so long as you have an Individual Taxpayer Identification Number (ITIN).
Wells Fargo doesn't have a specific minimum income requirement, but it will only approve you if you have a form of income. Social Security number: If you don't have one, an Individual Taxpayer Identification Number (ITIN) also works.
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
The American Express Business Centurion Card, better known as the "black card," has no pre-set spending limit and is typically offered only to high-net-worth individuals. As you might expect, large purchases are regularly made on American Express Business Centurion Card.
Chase accounts can be opened by US citizens, US permanent residents (Green Card holders), and other US non-permanent residents. In all cases you'll be asked to present documents which verify your identity and your US address — but the exact paperwork that can be accepted may vary based on your personal situation.
Is there a credit card that approves everyone?
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
- OpenSky® Secured Visa® Credit Card.
- Discover it® Secured Credit Card.
- Capital One Quicksilver Secured Cash Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Credit One Bank® Platinum Visa® for Rebuilding Credit.
The Bottom Line. Not having a Social Security number isn't an obstacle to applying for a credit card, but it may limit your choices. To apply for credit, you'll need a form of identification accepted by the bank that issues the credit card. In many cases, that can be an individual taxpayer identification number.
Banks and companies that unfortunately do not accept an ITIN in place of a Social Security number—at least for credit card applications—are Discover, Barclays and Synchrony.
