Credit Cards Without SSN for New Immigrants in the U.S. – 2025 Easy Guide
Coming to the U.S. is very big move. Everything is new — food, people, lifestyle and also credit system. One of the biggest confusion for new immigrants is:
“How can I apply for credit card without SSN?”
Don’t worry. You’re not alone — and good thing is, yes, it’s possible.
🇺🇸 Why You Need Credit Card in U.S.
In America, credit score is very important. Without it, you can’t do many basic things like:
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Rent a house
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Buy a car
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Get loan
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Even some companies check it before giving job
So first step to build credit is getting a credit card.
🤔 But What If You Don’t Have SSN?
SSN (Social Security Number) is required in many credit card applications. But for new immigrants, some cards allow ITIN or even just passport.
Let’s check those.
✅ Best Credit Cards Without SSN in 2025
1. Deserve EDU Mastercard
Best for: Students and first-time immigrants
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No SSN needed
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No U.S. credit history required
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1% cashback
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Free Amazon Prime (for students 6 months)
📝 Use your passport and visa while applying.
2. Tomo Credit Card
Good for: Freelancers, self-employed, and new movers
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No SSN, no credit check
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Based on your bank account balance
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Gives 1% cashback
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Helps in building credit fast
📝 Make sure you link your active bank account.
3. Petal 1 Credit Card
Best for: People without any credit score
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Accepts ITIN
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No annual fees
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Cashback offers
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Uses your income and bank activity for approval
4. American Express (with ITIN)
If you have ITIN or even international credit, Amex might allow you.
Some Indian users got approval with strong income proof and credit from home country.
🧾 What is ITIN?
ITIN (Individual Taxpayer Identification Number) is a number from IRS for people who are not eligible for SSN.
To get ITIN:
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Fill Form W-7
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Give passport and visa copy
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Use your U.S. address
It usually comes in 6–8 weeks.
💡 Tips Before Applying
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Open a U.S. bank account first
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Use real U.S. address (friend, hostel, etc.)
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Don’t apply for many cards at once
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Always pay on time to build score
🔚 Final Words
Yes, it’s little hard to get first credit card without SSN, but not impossible. Start with right card, build some credit, and in few months, you will have better options.
Many people from India and other countries already did it — you can too.
Welcome to America, and to your new credit journey. 💳
