While applying for a credit card in the US, most of the banks require applicants to have a Social Security Number (SSN) as an identification number. However, don’t be discouraged, as some credit cards out there do accept the Individual Tax Identification Number (ITIN) instead of an SSN.
While both the Social Security Number and individual Tax Identification Numbers are meant to identify and track people, ITINs are specifically issued to individuals who must pay a federal tax in the US. It’s not an easy task to find a credit card company that’s willing to accept an ITIN in place of an SSN, but it is possible.
Here are seven credit cards that we’ve found that will accept ITIN instead of SSN. Each of these cards has been tested to make sure they’re legitimate.
1. Deserve EDU Mastercard
The Deserve EDU Mastercard is an international student credit card designed for students who are looking to establish or build up their credit score. It doesn’t require a US social security number, which means it will also accept an ITIN. You won’t have to pay an annual fee and it has no foreign transaction fees. You can also earn 1% cash back on all purchases.
2. Capital One Credit Cards
Capital One’s secured Visa credit cards offer zero annual fees and can be a good option for people with limited credit history. Capital One also has no foreign transaction fees and they accept an ITIN for application.
3. Bank of America Secured Visa Credit Card
The Bank of America secured visa credit card is a good option for those with poor credit scores, as it doesn’t require a SSN to apply. You’ll need to pay an annual fee, but they do accept ITIN. It also offers balance transfers and cashback rewards.
4. Discover it Student Credit Card
The Discover it Student Credit Card does not require a Social Security Number, and will accept an ITIN as an alternative. It’s designed for students and offers rewards on your purchases.
5. State Employees’ Credit Union Visa Credit Card
If you are a member of the State Employees’ Credit Union, then you can get the SECU Visa credit card. It doesn’t require a Social Security Number and will accept an ITIN on the application. It offers cash back and a low APR.
6. Self Visa Credit Card
The Self Visa Credit Card is specifically designed for people who have poor or new credit. It does not require an SSN, and will accept an ITIN. It has no annual fees and can help you establish a credit history.
7. Jasper Mastercard
The Jasper Mastercard is an alternative credit card that offers cash back as well as credit-building tools. It is specifically designed for people with new or thin credit history and does not require a SSN for applying, but will accept your ITIN.
In conclusion, finding a credit card that accepts an Individual Tax Identification Number instead of a Social Security Number can be hard, but it is not impossible. Here are seven credit cards that have been tested and are confirmed to accept an ITIN instead of an SSN. Each of these credit cards offers various benefits and can help you build or rebuild your credit history.
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