Get an American Express credit card without SSN?
Updated on 19th November 2023: In the United States, it is typically required to provide a Social Security Number (SSN) in order to apply for a credit card, including an Amex card (without SSN). The use of SSNs as identification and credit history checks makes it necessary for many credit applications. In this blog, we will explore how to can get an American Express credit card without an SSN.
Contents of Get an American Express credit card without an SSN:
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- 1 Contents of Get an American Express credit card without an SSN:
- 2 FAQ: American Express Credit Card without SSN
- 2.1 Q: Can I get an American Express card without an SSN (Social Security Number)?
- 2.2 Q: What is an Individual Taxpayer Identification Number (ITIN)?
- 2.3 Q: How can I apply for an American Express credit card without an SSN?
- 2.4 Q: Can I build a credit history with an American Express credit card without an SSN?
- 2.5 Q: Are there any specific American Express credit cards available for individuals without an SSN?
- 2.6 Q: Will I have the same benefits and features with an AmEx credit card without an SSN?
- 2.7 Q: Are there any limitations or restrictions for American Express credit cards without an SSN?
- 2.8 Q: Can I upgrade my American Express credit card to a card that requires an SSN in the future?
- 2.9 Q: Can I use my American Express credit card without an SSN for online purchases and other transactions?
- 2.10 Q: Will my credit history with American Express without an SSN be reported to credit bureaus?
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Get your Amex Card without SSN:
There are some options for individuals who do not have an SSN to apply for an American Express (Amex) credit card. American Express allows noncitizens, including international students and newcomers to the U.S., to apply for personal credit cards online without an SSN if they have a credit history in certain countries. If you already have an American Express card from another country you can apply online here without an SSN number.
Get credit cards to build your credit score:
There are some credit card issuers, such as Capital One, that offer credit cards for non-citizens and individuals without an SSN in the United States.
Another option is to apply for a secured credit card. The use of a cash deposit as collateral is a way to provide security for secured credit cards without an SSN. The deposit is typically equal to the credit limit. After 12-24 months of timely payments, secured credit cardholders might see a transition to an unsecured card. There are many Banks that offer secured credit cards such as Bank Of America, Discovery, Citi Bank, Wells Fargo, etc. You can search online for secured credit cards & apply online. However, you must have a bank account in the United States of America before you apply for a secured credit card.
Additionally, you can also consider getting an ITIN (Individual Tax Identification Number) which is issued by the IRS for non-resident and non-citizen individuals who are required to have a taxpayer identification number.
Unsecured Credit Cards That Approve You Without SSN:
Comparison Chart: Credit Cards without SSN
| Credit Card | Eligibility Criteria | Annual Fee | Rewards Program | Intro APR | Foreign Transaction Fee | Additional Benefits |
|---|---|---|---|---|---|---|
| American Express | Requires ITIN | Varies | Membership Rewards | Yes | Varies | Travel Insurance, Purchase Protection |
| Discover it | Requires ITIN | None | Cashback | Yes | None | Free FICO Credit Score, Cashback Match |
| Capital One Secured | No SSN or ITIN required | Varies | None | No | None | Credit Building, Refundable Security Deposit |
| Deserve EDU | No SSN or ITIN required | None | Cashback | Yes | None | No Credit History Required, Free Amazon Prime Student |
| Petal 2 | No SSN or ITIN required | None | Cashback | Yes | None | Credit Building, No Fees or Penalties |
Newcomers to the USA can apply for an Amex Card without an SSN. Or can apply few other credit cards using ITIN. You can still apply for a secured credit card if you are unable to obtain an ITIN number. Secured credit cards without an SSN utilize a cash deposit as collateral, ensuring a secure financial arrangement for cardholders.
FAQ: American Express Credit Card without SSN
Q: Can I get an American Express card without an SSN (Social Security Number)?
A: Yes, it is possible to get an American Express credit card without SSN. AmEx offers credit card options for individuals who do not have an SSN but have an ITIN.
Q: What is an Individual Taxpayer Identification Number (ITIN)?
A: An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service (IRS) for individuals who are not eligible for an SSN but need to fulfill their tax obligations in the United States.
Q: How can I apply for an American Express credit card without an SSN?
A: To apply for an American Express credit card without an SSN, you will need to provide your ITIN instead. During the application process, you will be asked to provide this number along with other personal and financial information.
Q: Can I build a credit history with an American Express credit card without an SSN?
A: Yes, having an American Express credit card and using it responsibly can help you build a credit history, even without an SSN. Timely payments and responsible credit card usage can positively impact your credit score over time.
Q: Are there any specific American Express credit cards available for individuals without an SSN?
A: American Express offers a range of credit cards that may be available for individuals without an SSN. The specific card options and eligibility criteria may vary, so it is recommended to check with American Express directly or visit their website to explore the available options.
Q: Will I have the same benefits and features with an AmEx credit card without an SSN?
A: In general, American Express credit cards without an SSN offer similar benefits and features as those available to individuals with an SSN. However, it’s important to review the terms and conditions of each specific credit card to understand the benefits, rewards, fees, and any limitations that may apply.
Q: Are there any limitations or restrictions for American Express credit cards without an SSN?
A: While AmEx does offer credit cards without an SSN, there may be certain limitations or restrictions. It is recommended to review the eligibility requirements and terms associated with each specific card to determine any limitations.
Q: Can I upgrade my American Express credit card to a card that requires an SSN in the future?
A: Individuals may have the option to upgrade to a different Amex credit card that requires an SSN. However, this would be subject to eligibility criteria and approval by American Express.
Q: Can I use my American Express credit card without an SSN for online purchases and other transactions?
A: Yes, you can use your American Express credit card without an SSN for various transactions, including online purchases, in-store purchases, and other transactions where American Express is accepted.
Q: Will my credit history with American Express without an SSN be reported to credit bureaus?
A: American Express typically reports credit card activity to major credit bureaus, which can help you build a credit history. However, it is always recommended to verify this information with American Express to ensure that your credit activity is being reported.
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