Credit Cards That Accept ITIN Instead of SSN
If you are new in USA or you dont have Social Security Number (SSN), you maybe thinking, "Can I still get a credit card?" The answer is yes, you can. Many banks and companies now accept ITIN, which is called Individual Taxpayer Identification Number. It is like a SSN but it is for people who not eligible for SSN.
This article will tell you how to get a credit card with ITIN, which cards accept it, and what you should do to improve your chance of approval. We will also talk about how you can build credit without SSN, and which card is best for you.
What is ITIN and Who Need It?
ITIN is a number made by IRS for people who live or work in USA but not qualify for SSN. It is 9 digit number like SSN, but it only for taxes. Many immigrants, students, and non-resident workers use ITIN to file tax and open bank accounts. So, you can also use it to get a credit card.
Why Credit Card Important for Newcomers?
When you new in USA, you have no credit history. But if you want to buy car, rent apartment, or get loan later, you need good credit score. Credit card helps you build that score slowly.
If you pay bills on time and not use too much credit, your score go up. It show bank that you are good borrower.
Credit Cards That Accept ITIN
Not all banks accept ITIN, but some big one does. Here are few good options:
Capital One - Accept ITIN, and you can apply online. They have secured and unsecure cards. Easy approval.
American Express (Amex) - Also accept ITIN and sometimes passport. Their Blue Cash card is popular.
Chase - They accept ITIN, but sometimes ask more document. Good for student cards.
Bank of America - Accept ITIN and also passport sometimes. Their Travel Rewards card is nice.
CitiBank - Accept ITIN and offer simple card with no annual fee.
Zolve - A fintech card for students. No SSN needed, you can apply with passport and visa.
Petal 2 Card - You can apply with ITIN, and they check your income and bills, not only credit score.
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How to Apply for Credit Card with ITIN
Step 1: Choose a card that accept ITIN (from list above).
Step 2: Fill the online application. Where it ask SSN, you write your ITIN.
Step 3: Attach document if needed like passport, visa, proof of address.
Step 4: Wait for approval. Some cards give instant reply, some take few days.
Step 5: Once approved, use your card carefully.
Tips for Getting Approved
Make sure your ITIN is active and valid.
Use real address and phone number in USA.
Show proof of income or job if possible.
Apply for secured card if you not get approved for normal one.
What is Secured Card?
Secured card is a card where you give some deposit (like $200), and that become your credit limit. It good for building credit when you are new. Later you can upgrade to normal card.
How to Build Credit with ITIN
Always pay full amount before due date.
Don't use more than 30% of your card limit.
Keep your oldest card open.
Check your credit score every month.
Over time, if you do this things, your score go up.
Other Options
Become authorized user on friend or family card.
Use credit-builder loan from online banks.
Open bank account with same ITIN.
Conclusion
Not having SSN is not end of world. You can still get good credit card with ITIN. Just need to apply at right place and use card smartly. Over time, you can make strong credit history and enjoy all benefit in USA.
Start today with any card from above list and begin your credit journey!
