Can I get a credit card without SSN or ITIN? This question is about Credit Cards

Can I get a credit card without SSN or ITIN?

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This question is about Credit Cards

Adam McCann, Financial Writer

@adam_mccann • 08/03/22 This answer was first published on 08/03/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, you can get a credit card without an SSN or ITIN, but only in very rare cases. If you are residing in the U.S. and you have a foreign passport, you can use that to apply for a credit card from American Express, Bank of America or Citibank. All other major credit card companies will require either an SSN or ITIN.

Keep in mind that if you don’t have an SSN and you are authorized to work in the U.S., you can apply for one, which will make you eligible to apply for any credit card. If you file U.S. taxes but aren’t employed in the U.S., you can apply for an ITIN, which many issuers accept.

SSN, ITIN and Passport Acceptance by Credit Card Issuer

American Express: SSN, ITIN or Passport
Chase: SSN or ITIN
Bank of America: SSN, ITIN or Passport (at branch only)
Citibank: SSN, ITIN or Passport (at branch only)
Capital One: SSN or ITIN
U.S. Bank: SSN or ITIN (secured cards only)
Discover: SSN
Wells Fargo: SSN or ITIN (secured cards only)
Barclaycard: SSN
Synchrony Bank: SSN
USAA: SSN

While it is difficult to get a credit card without an SSN or ITIN, there are still options. You can learn more about the best credit cards for people with no SSN on WalletHub.

Answer Question

Which bank does not require SSN?

Does Capital One accept ITIN?

Yes, Capital One does accept ITIN for credit card applications. Keep in mind that, to be eligible for a Capital One credit card, you also have to be at least 18 years old, as well as meet specific residency, income, and credit requirements.

Capital One Credit Card Requirements

18+ years old… read full answer

Physical U.S. address (no P.O. boxes)

Proof of enough income to make the monthly minimum card payment

Bad to good credit or better

Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

Checking or savings account

If you apply for a Capital One card, it’s important that you enter all required information completely and accurately.

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Can I apply for a credit card with an ITIN?

Yes, you can apply for a credit card with an ITIN. In fact, seven out of the ten largest credit card companies accept credit card applications without a Social Security Number. One of the best credit cards that you can apply for with an ITIN is the Capital One Platinum Credit Card. This card has a $0 annual fee and accepts applicants with limited credit.… read full answer

Some of the Best Credit Cards You Can Apply for With an ITIN

Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
High Rewards Rate: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
Cash Back: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website

You can also check out editors’ latest picks for the best credit cards without SSN requirements on the market to weigh your options.

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