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Credit cards with an ITIN requirement
You don’t need a Social Security number to apply.
If you want to apply for a credit card but don’t have a Social Security number, there’s another option: Get an Individual Taxpayer Identification Number (ITIN). If approved for a card, you can start building a credit history, which can help you apply for other financial products.
What’s an ITIN?
An ITIN is a nine-digit tax processing number issued by the IRS. Many people who can’t obtain Social Security numbers opt for ITINs instead.
An ITIN can be useful if you want to apply for a credit card. Most card providers require a Social Security number in their applications, but some let you use an ITIN instead.
How to get an ITIN
Follow these steps to get an ITIN:
- Fill out IRS Form W-7.
- Mail the form to the IRS along with your immigration documentation and proof of identity, such as a visa or passport. Or, submit the required materials to an IRS walk-in office or Acceptance Agent.
For more information about applying for an ITIN, visit the IRS website.
Can I get an ITIN if I qualify for a Social Security number?
You’re not allowed to get an ITIN if you qualify for an SSN. ITINs are for those who aren’t US citizens or permanent residents.
Credit cards with an ITIN requirement
Here are a few cards you can apply for with an ITIN instead of a Social Security number. If you’re new to credit, consider a secured credit card, which may offer higher approval odds.
Why should I consider a card with an ITIN?
Not having a Social Security number doesn’t have to keep you from getting a credit card. With the right provider, you can use your ITIN to apply.
With a card, you can build credit with responsible use. After six months of credit activity, you’ll get a FICO score, which is the most widely used score in the United States.
A strong credit score is helpful for many important financial activities, such as getting the best credit cards or applying for a loan.
Many credit cards require a Social Security number, but some providers will accept ITINs. If you’re approved for a card, use it responsibly to build a strong credit score. Then you can compare credit cards to find an even better card that fits your financial needs.
Frequently asked questions
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