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.
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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.
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.
Follow these steps to get an ITIN:
For more information about applying for an ITIN, visit the IRS website.
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.
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.
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.
A user-friendly secured card with no credit check required.
A simple 2% cashback card that could benefit from extra features.
Travel and cashback credit cards are a few cards to watch out for.
A credit building card held back by fees.
A strong business hotel card for a surprisingly low price.
Build credit without the need for a credit history.
Earn up to 2.62% back depending on your Preferred Rewards membership.
Earn up to 6% back through your everyday spending.
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