How to get credit card without SSN for international students?
Deserve Edu Mastercard: Designed for students, this card doesn't require an SSN and offers cashback rewards. Bank of America Cash Rewards for Students: Available to students, this card may accept an ITIN (Individual Taxpayer Identification Number) instead of an SSN.
When applying for a credit card, whether you're an international student or not, most issuers will check an applicant's credit history. Most applications will also require an SSN, though some issuers will accept an ITIN or even a visa.
If you have a credit card account, that account will be reported to the credit bureaus and the credit bureaus will use available personal identifiers to compile a credit report. If you don't have a Social Security number, these identifiers include your name, date of birth, address, and employment history.
Do I need a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to apply? Yes, you must have a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) to apply for an American Express Card.
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.
In most cases international students do not require a SSN to receive a scholarship or grant income, and they may not be eligible to receive a SSN if they are not authorized to work in the US. This is common for F-1 students who should instead apply for an ITIN. The purpose of an SSN is to track earnings and benefits.
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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.
ITIN. An ITIN, or Individual Taxpayer Identification Number, is a tax processing number only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number (SSN). It is a 9-digit number, beginning with the number "9", formatted like an SSN (NNN-NN-NNNN).
If you do not yet have an SSN, American Express allows you to use your Individual Taxpayer Identification Number (ITIN) in the application for American Express Personal Card.
Does Discover require SSN?
No, unfortunately you can't get a Discover credit card without an SSN. Discover requires a Social Security number as part of the application process for all of its cards. So you're left with two options – either obtain a SSN or apply for a credit card that doesn't require it.
Some popular banks that accept ITINs for credit card applications are Chase, Bank of America, American Express, Capital One, Citi and more. 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.
Like most major issuers, Chase requires one of these means of identification to apply for a credit card. ITINs are available to people who cannot get an SSN but still need to report U.S. income and file federal taxes.
Can immigrants new to the US get credit cards? 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.
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- Full legal name.
- Date of birth.
- U.S. address.
- Contact information.
- SSN or ITIN.
- Citizenship status.
- Country of citizenship.
- Passport and passport number.
Apply for a Social Security number
If you're in the U.S., you can apply online, then go to a local Social Security office to provide your documentation. Once your application is approved, you'll receive a Social Security card with your number on it by mail within 14 days.
Immigrants who have permission to work in the United States, even temporarily, can apply for an SSN. Does an SSN expire? No. Once an SSN has been assigned it is an individual's unique number for the rest of his or her life in the United States.
To get your international driver's license in the USA, you will need to prove that you are an international student living in the United States. You may be required to submit several documents including ID verification, proof of address, and immigration forms.
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.
Can I use ITIN instead of SSN?
In some cases, an ITIN can be used as a substitute for an SSN to open a personal checking or savings account. A bank account is a safe place to store your money and allows you to establish a financial history.
Requires SSN for online applications. For certain cards, Citi will accept a copy of one of the following: passport, national ID card or other valid government-issued ID. Must apply in person at a Citibank branch. Accepts ITIN or SSN.
An individual taxpayer identification number (ITIN) may also be accepted. Capital One asks for your full name, date of birth, SSN, physical address and estimated gross annual income.
These credit cards from our partners are options for newcomers to the United States. Nova Credit helps newcomers use their foreign credit history to apply for products in the U.S.
Taxpayer Identification Number (TIN or ITIN)
One option for people who aren't eligible for an SSN, is to get an individual Taxpayer Identification Number - usually abbreviated to TIN or ITIN. ¹ Banks and credit card companies may accept this in lieu of an SSN when you apply for an account or card.
