Which is the best credit card for students in the USA without SSN?
Why We Like It: The Capital One SavorOne Student Cash Rewards Credit Card is one of the best credit cards for college students, and you can apply for it using an Individual Taxpayer Identification Number (ITIN) in place of an SSN. You'll be happy you did, too.
Yes, applying for a student credit card without an SSN is possible. Some credit card issuers accept an Individual Taxpayer Identification Number (ITIN) or alternative forms of identification.
- 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.
- Discover it® Student Cash Back: Best Cash-Back Credit Card for International Students.
- Capital One SavorOne Student Cash Rewards Credit Card: Best Dining and Entertainment Rewards for International Students.
Credit card issuers aren't required to ask for a Social Security number on the card application, but many do anyway. The good news is that some issuers will accept an ITIN instead. Here's a quick rundown of issuers and where their policy currently stands on this.
Request an ITIN.
Some credit card issuers will accept this number for a credit card application if you do not have an SSN. You can request an ITIN through the Internal Revenue Service (IRS).
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.
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).
You can file your application for an SSN card in person at any SSA office. Be prepared to provide your original documents to prove your age, identity and work-authorized immigration status. All evidence of immigration status and work authorization must be unexpired.
Which credit card I can get easily in USA?
- 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.
- Discover it® Student Chrome: Best for Simplicity and value.
- Capital One SavorOne Student Cash Rewards Credit Card: Best for Bonus cash-back categories.
- Discover it® Student Cash Back: Best for Rotating bonus categories.
The Journey® Student Rewards from Capital One® offers cash back rewards to cardholders, and incentivizes international student credit cardholders to make on-time payments with an offer of extra cash back. You can apply using an 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.
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.
As long as you have authorization (on-campus work, CPT, or OPT), yes: you can start working without an SSN. Be sure your employer follows the correct instructions for allowing you to begin work without the SSN.
- Use your SSN/ITIN to apply for a US student credit card.
- Apply for US student credit cards that only require your passport.
- Act as an authorized user on an existing US credit account.
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit.
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.
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.
Can I get a credit card if I'm undocumented?
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.
Green Card Opportunities in Family-Sponsored Visa Categories
For the family-based side of immigration, the absolute fastest way to qualify is as either the spouse, unmarried child under 21 years of age, or parent of a U.S. citizen who's over age 21.
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.
ITINs do not authorize a person to work in the U.S. or provide eligibility for Social Security benefits. Tax returns filed with an Individual Taxpayer Identification Number reporting wages paid are required to show the Social Security Number under which the wages were earned.
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.
