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 and its benefit, and how to apply online.

Why Do Credit Cards Need an SSN?

Credit card companies require an 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 for Students: 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. You can apply for this card from this link.

Capital One Platinum Credit Card: 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. You can apply for this card from this link.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card: 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. You can apply here.

Deserve® EDU Mastercard for Students: 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. Check out the details from this link.

Tomo Credit Card: 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. You can apply for this card from this link.

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. Apply now from this link.

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. You can apply for this card from this link.

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. 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. Apply for this car from this link.

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. Apply from this link.

Final Thoughts

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.

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