Can I get a credit card in USA without SSN?
Some credit card issuers also offer credit cards to those without an SSN such as international students or professionals relocating to the U.S. for work. They allow you to apply using other forms of identification, such as your passport and visa information.
To get a credit card without a Social Security number you'll need to verify your identity another way, which is typical with an Individual Taxpayer Identification Number (ITIN). A number of major credit card issuers allow you to apply for cards online using an ITIN as a replacement for an SSN.
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.
Not every card issuer will accept an alternative form of identification, such as a passport or an ITIN, but several do. Among the major issuers that are more flexible in their requirements are: American Express (accepts SSN, ITIN, or passport) Bank of America (accepts SSN, ITIN, or passport)
Where Can I Open a Bank Account Without an SSN? The banks that allow undocumented immigrants are the following: Wells Fargo, PNC, U.S. Bank, BMO Harris, Alliant Credit Union, Bank of America, HSCB, TD Bank, among others.
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.
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).
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 don't have an SSN, signing up for a credit card that doesn't require a SSN, or becoming an authorized user on someone else's credit card, are both good choices for establishing your credit history.
To get a credit card, you must submit an application to the bank or credit union that issues the card, providing identifying details such as your Social Security Number and financial information such as employment status and income.
Can I get a credit card without SSN or ITIN Bank of America?
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. Some Citibank cards also allow you to apply with a passport.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
- Best secured credit card: Discover it® Secured Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best for no credit: Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
You'll need basic information like your home address, email address and phone number, as well as identification documents such as a driver's license, Social Security Number, and a minimum opening deposit amount.
Banks need to verify account holders' identification, and some banks do this with an SSN. But there's no law that prevents a bank from opening a bank account for someone without an SSN.
As such, we are obligated to collect certain information from our users to verify their identities. We may ask for your SSN to verify your identity if you try to do any of the following: Send $300 or more in one week (rolling 7 day period)
Do not accept an ITIN in place of an SSN for employee identification or for work. An ITIN is only available to resident and nonresident aliens who are not eligible for U.S. employment and need identification for other tax purposes.
- Full legal name.
- Date of birth.
- U.S. address.
- Contact information.
- SSN or ITIN.
- Citizenship status.
- Country of citizenship.
- Passport and passport number.
- 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.
But it's not illegal. There is no requirement that lenders verify a person's citizenship or immigration status before issuing them credit, or check their Social Security number.
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
How do immigrants get credit?
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.
There are many reasons USCIS may be requesting recent bank statements. USCIS may be making sure you are not likely to become a public charge. They may also be looking for payments that show you violated your F-1 status. USCIS can contact your bank to verify the validity of the documents.
Newcomers to the United States can use their foreign credit history to apply for U.S. credit cards, loans, housing and more—rather than needing to start all over. Nova Credit is a cross-border credit bureau that allows newcomers to apply for U.S. credit cards, phone plans, and loans using their foreign credit history.
While immigrants can qualify for a credit card in the U.S., credit card issuers will need to verify your identity before approving you for an account. But depending on your immigration status, you might not be eligible for an SSN.
- Original ID document (must be 18 years or older)
- Latest salary slip.
- 3-month bank statement.
- The minimum salary requirement for a credit card application is R5 000 and R10 000 for self-employed clients.
