Credit Cards

What Credit Cards Accept ITIN

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 8 minute read

A credit card can be obtained without providing a Social Security number. Make an effort to learn more about your alternatives. International students, new immigrants, or those who lack a credit history in the United States may have a tough time getting a credit card in the US. Because many financial companies demand a Social Security number (SSN) for credit card applications, you may not be able to get one.

In many cases, this barrier prevents you from building credit and using credit cards for regular purchases, such as grocery shopping and paying the bills. As a result, you may have problems getting a vehicle loan or a mortgage if you don’t have a credit history.
As it turns out, not all credit cards require an individual’s Social Security Number (SSN). The following are seven credit cards that do not require a Social Security number as a co-applicant or co-signer.

A list of seven credit cards that don’t require a Social Security number

With no credit history, this is the best option for newcomers Use of a Petal Visa Card

There are two versions of the Petal Credit Card: Petal 1 and Petal 2. Which ones you qualify for will be revealed to you once you’ve completed the application procedure. To get a Petal credit card, you don’t need to have a credit score, although it will be verified if you do. Petal will ask you to link a bank account if you don’t already have one in order to verify your income and outgoings.

You can get cashback on your purchases with both Petal cards, but if you’re able to qualify for the Petal 2, you’ll get even more perks. If you don’t have an SSN (you may use an ITIN instead) and your US credit history is either nonexistent or short, a Petal card could be a viable alternative for a credit card.

Best for international students: Deserve EDU Mastercard

Deserve EDU Mastercard provides an innovative credit alternative for students, particularly foreign students who are studying in the United States. – In order to assess your credit risk potential, Deserve does not need you to provide your Social Security Number (SSN). This includes checking to determine if you pay your bills on time and how well you handle your finances.

The Deserve EDU gives a free year of Amazon Prime Student to students who spend $500 in the first three months of their membership. In addition, there is no annual charge and you may get 1% cashback on every transaction. There may be few alternative reward-based credit cards available to overseas students, so this one may be the greatest option for them to utilize.

U.S.-based customers should go for Tomo Credit Cards

There is no credit check required for the Tomo Credit Card, much like the Petal Credit Card. If you don’t have an SSN or aren’t eligible for one, Tomo permits you to apply using an ITIN. In addition, the Tomo Card does not charge any fees and has a maximum credit limit of $10,000. It also gives you 1% cashback on every transaction you make.

If you’re approved for the Tomo Card, you may use it to establish credit in the United States, which can improve your chances of being approved for other credit cards and financial products from banks. To improve your credit score, Tomo reports to all three main credit agencies (Experian, Equifax, and TransUnion). The Tomo Credit Card may be a suitable option for you if you’re new to the United States and want to develop your credit.

Brex Card is Best for registered U.S. business owners

Brex Card is a credit card solution for small company owners who do not have an SSN. When applying for a credit card with Brex, applicants provide their EINs instead of their Social Security numbers. If your firm is based in the United States and you have a valid taxpayer identification number, such as an SSN or ITIN, you may normally apply for an EIN.

This covers C-corps, S-corps, LLCs, LLPs, and other types of businesses that are registered in the United States. Purchases can be made at up to 8X points provided you meet the requirements.

Best for immigrants with limited U.S. credit: Capital One Platinum Credit Card

Among credit card firms, Capital One is one of the few that does not demand a Social Security Number (SSN) for some card applications. SSN or ITIN are acceptable forms of identification to apply for the Capital One Platinum Credit Card.

Despite the lack of perks, this card offers a $0 annual fee and might help you create a credit history in the United States if you’re just starting with credit. This card’s “fair” credit requirements include short credit history, according to Capital One. This card may be suitable for a newcomer to the United States who lacks credit history.

Best for immigrants with established U.S. credit: Chase Freedom Unlimited

Chase is another card issuer that offers the option of providing an SSN or ITIN on many of its card applications. In light of this, anyone without a Social Security Number (SSN) may now determine if they are eligible for valued Chase credit cards. Although you must complete the credit requirements, you are free to enroll. Good or exceptional credit is normally required for Freedom Unlimited.

Using this card, you may earn an extra 1.5% cashback on all transactions (up to $20,000 in the first year) with no annual fee. Purchases at restaurants, drugstores, and other merchants earn you a flat 3 percent, with a maximum of 1.5 percent, when made with your Chase Ultimate Rewards credit card. Immigrants who have established credit histories in the United States may be a suitable fit for this card’s cash back rewards program.

Best for immigrants with established foreign credit: The Platinum Card® from American Express

Those with non-US credit records can now apply for American Express credit cards through a partnership with Nova Credit. Without an SSN or ITIN, Nova Credit may check to see whether you qualify for American Express credit cards on the basis of your credit history from the UK, India, Mexico, Canada, Brazil, Dominican Republic, Kenya, Nigeria, or Australia.

The Amex Platinum card is a great choice if you have a good history of credit in your native country and want the best possible travel benefits. Yearly fees of $695 are mitigated by its various benefits, including the possibility for more than $1,400 in annual credits (enrollment may be required). Once you’ve spent $6,000 in the first six months, you’ll get 100,000 Membership Rewards points, along with 5X points for dollars spent on qualifying flights (up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, as well as 1X points per dollar for all other eligible purchases.

Without a Social Security number, how can you apply for a credit card?

Without a Social Security number, you won’t be able to apply for many credit cards. It’s possible, though, to use an ITIN or any other kind of identification to prove your identity. To help you acquire credit cards and develop your credit without an SSN, here are some pointers.

Acquire a second opinion on whether you can’t get an SSN

The only way to know for sure is to apply for one. You may be eligible for an SSN in one of the following ways:

  • You must seek a Social Security number card with your immigrant visa application if you are an immigrant.
  • You’re an illegal immigrant who has been granted permission to work in the United States by the Department of Homeland Security.
  • You’re an illegal immigrant who needs an SSN for a legitimate non-work reason.

Get your ITIN

It is possible to get an individual taxpayer identification number if you are a noncitizen and do not have a Social Security number. If you are obliged to file a U.S. tax return but do not have an SSN or are ineligible for one, the Internal Revenue Service provides an ITIN. Many credit card providers accept ITINs and SSNs on their application forms. Visit the IRS’s ITIN page for further information on how to obtain an ITIN (and who qualifies).

Apply using your passport

You may be able to apply for a credit card without providing a Social Security number if the card provider accepts passport applications. If you’re applying for a credit card over the phone or in person, you may have a better chance of seeing this choice.

Start with a secured credit card

A credit card issuer may do a credit check even if they don’t require an SSN as part of the verification process. For example, you may not be eligible for most credit cards if you have an ITIN but have not yet established credit.

You’ll have a better chance of getting a credit card if you apply for a secured card first. In order to secure your credit card, the card issuer would want you to put money into an account. Compared to other forms of credit, secured cards often have more relaxed credit standards because of the money deposited. You begin to develop a credit history in the United States as soon as you start using the card.

Build credit by becoming an authorized user

Adding yourself as an authorized user on someone else’s credit card account, such as a family member’s, is another option to begin boosting your credit. Using a credit card responsibly as an authorized user helps you develop your credit. You don’t need an SSN to add authorized users to your credit cards with Chase and Capital One, as well as other major card issuers.

You may be able to apply for your own credit cards if you’ve established a good credit rating. Find out how to add a user who is allowed to use your account.

Apply for a business credit card with an EIN

You can get an employer identification number (EIN) if you’re a small business owner with an ITIN. When applying for some credit cards, you can use this number in lieu of a social security number to identify your business.

Bottom Line

People who aren’t US citizens, including international students in the US, might have a hard time getting financial goods since they don’t have a Social Security number. There are now credit cards available that do not require an SSN, which is a good thing. With these changes, you should be able to develop your credit history in the United States. Once you’ve raised your credit score to a certain level, you’ll be eligible for more credit cards, many of which will offer greater rewards.

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