Best Credit Cards without a Social Security Number: A Guide for International Students and Immigrants

Are you an international student or immigrant in the United States and looking for the best credit card options without a Social Security number (SSN)? Worry not! In this article, we’ve compiled a list of the top credit cards without a social security number their benefits, and how to apply online.

Table of Contents: Credit Card without SSN

Why Do Credit Cards Need an SSN?

Credit card companies require a Social Security Number(SSN) to verify the applicant’s identity and creditworthiness. However, for international students and immigrants who don’t have an SSN yet, this requirement can be a roadblock in building their credit history.

Credit cards available without SSN, are beneficial for international students and immigrants to establish credit in the US.

Top Credit Cards without an SSN

Bank of America® Travel Rewards Credit Card without SSN:

This card is ideal for students who frequently travel and don’t have an SSN. It offers 1.5 points for every dollar spent and has no foreign transaction fees. To apply for this card click here.

Capital One Platinum Credit Card without SSN:

This card doesn’t require an SSN or credit history and has no annual fees. It also offers credit limit increases after paying the first five monthly bills on time. This card offers credit limit increases after paying the first five monthly bills on time, which can help to improve credit scores. To apply for this card click here.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card without SSN:

This card doesn’t require an SSN or credit history and offers cashback rewards on all purchases. It also has no annual fees or foreign transaction fees. To apply click here.

Deserve® EDU Mastercard Credit Card without SSN:

This card is designed for international students who are studying in the United States and don’t have an SSN. It offers cashback rewards on eligible purchases and has no annual fees. This card is a great option for students who want to build credit and earn rewards. To check out the details click here.

Tomo Credit Card without SSN:

This card is designed specifically for individuals who are new to credit and don’t have an SSN or credit history. It offers cashback rewards on eligible purchases and has no annual fees or foreign transaction fees. With no credit check required, this card is ideal for those who are building credit from scratch. To apply for this card click here.

These cards accept applications using ITIN instead of SSN

Chase Freedom Unlimited®:

This card allows applicants to use an Individual Taxpayer Identification Number (ITIN) instead of an SSN to apply. It offers a flat-rate cashback reward of 1.5% on all purchases and has no annual fees. This card is great for those who want a straightforward cashback rewards card and have a credit score of 670 or higher. To apply now click here.

Blue Cash Everyday® Card from American Express:

This card allows applicants to use an ITIN instead of an SSN to apply. It offers cashback rewards on eligible purchases such as 3% cash back at U.S. supermarkets (up to $6,000 per year), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases. The card has no annual fees and is ideal for those who frequently spend on groceries and gas. To apply for this card click here.

Chase Sapphire Preferred® Card:

This card allows applicants to use an ITIN instead of an SSN to apply. Earn reward points for travel and dining, and redeem them for flights, hotel stays, and other travel benefits. The card has an annual fee but gives a signup bonus and travel perks like trip cancellation & primary car rental insurance. This card is great for frequent travelers who have a credit score of 670 or higher. To apply for this card click here.

Capital One Venture Rewards Credit Card:

This card allows applicants to use an ITIN instead of an SSN to apply. It offers rewards points for travel purchases, which can be redeemed for travel rewards such as flights and hotel stays. Annual fee card with signup bonus, no foreign fees, & travel perks incl. accident/baggage insurance. This card is great for frequent travelers who have a credit score of 670 or higher. To apply for this card click here.

Final Thoughts about Credit Cards without an SSN

Building a credit history is crucial for international students and immigrants to achieve financial stability in the United States. The credit cards mentioned above offer a great way to start building credit without an SSN. However, it’s important to use credit responsibly and pay bills on time to avoid high-interest rates and fees.

You already know how to get Credit Cards without a Social Security Number but always remember, credit cards are just one tool to build credit. Other options include secured credit cards, credit builder loans, and becoming an authorized user on someone else’s credit card. With diligence and responsible use, you can build a strong credit history in the United States and achieve financial success.

Frequently Asked Questions: Credit Card without SSN

1. Can I get a credit card in the USA without a Social Security Number (SSN)?

Yes, it is possible to get a credit card without an SSN. Some credit card issuers offer options for individuals without an SSN, typically through an Individual Taxpayer Identification Number (ITIN).

2. What is an ITIN, and how can I obtain one?

An ITIN is a tax processing number issued by the IRS. You can apply for an ITIN by submitting Form W-7 along with the required documents to the IRS. This number can be used for tax purposes and to apply for credit.

3. Are there credit cards specifically designed for individuals without an SSN?

Some credit cards are designed for individuals without an SSN, often catering to international students, immigrants, or individuals with work visas. These cards might have specific eligibility criteria.

4. Can I build credit without an SSN using a credit card?

Yes, using a credit card responsibly and making timely payments can help you build credit, even without an SSN. Ensure that the credit card issuer reports to the credit bureaus to establish a credit history.

5. What challenges might I face when applying for a credit card without an SSN?

Challenges may include limited card options, higher interest rates, and stricter eligibility criteria. Some issuers might require a higher deposit for secured credit cards.

6. How can I increase my chances of approval for a credit card without an SSN?

Maintaining a good credit history, having a stable income, and providing necessary documentation, such as proof of residency and employment, can increase your chances of approval.

7. Can I apply for a secured credit card without an SSN?

Many secured credit cards accept ITINs or other identification numbers. A secured credit card requires a security deposit, and your credit limit is usually determined by the deposit amount.

8. Is it possible to transition from a credit card without an SSN to a regular credit card?

With a positive credit history and an established relationship with the credit card issuer, you may be eligible to transition from a secured or limited credit card to a regular, unsecured credit card.

9. What information is needed to apply for a credit card without an SSN?

You’ll typically need personal information, proof of identification (such as a passport or visa), proof of income, and an ITIN or other identification number.

10. Are there alternatives to credit cards for building credit score?

Yes, alternatives include credit builder loans and becoming an authorized user on someone else’s credit card. These methods can also contribute to building a credit history.

While obtaining a credit card without an SSN is possible, it’s essential to understand the specific requirements of the card issuer and the potential challenges involved. Researching and comparing options will help you find a credit solution that suits your needs.

You may also interested to read: Top 6 Most Rewarding Credit Cards in the USA

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