Getting a Credit Card as an Immigrant in the USA is not impossible.
Are you an immigrant or foreigner living in the USA and searching for ways to obtain a credit card? Having a credit card is essential to establish your credit score and financial history in the USA. However, without a Social Security Number (SSN), it can be challenging to get a credit card. Here are some ways to get a credit card for foriegners or immigrant in the USA without an SSN.
Apply for an ITIN
An Individual Taxpayer Identification Number (ITIN) is a tax processing number that can be used as an identification number in some cases. If you don’t have an SSN, you can apply for an ITIN. Once you have an ITIN, you can apply for a credit card using your ITIN instead of an SSN. Keep in mind that not all credit card companies accept ITINs, so make sure to check beforehand.
Get a secured credit card
A secured credit card requires you to make a security deposit that serves as collateral for your credit limit. This means that the issuer can use the deposit to cover any outstanding balance if you are unable to pay. Secured credit cards are easier to get as they don’t require a high credit score or an SSN. Additionally, they can help you build your credit history as your payments are reported to credit bureaus.
Consider a credit union
Credit unions are nonprofit financial institutions owned by their members. They offer services such as checking and savings accounts, loans, and credit cards. Credit unions may be more willing to work with immigrants and may offer credit cards to those without an SSN. They may also offer better terms and interest rates compared to traditional banks.
Become an authorized user
If you have a friend or family member with a credit card, you can ask them to add you as an authorized user. Credit bureaus will receive reports of your activity when you use the credit card.
However, keep in mind that the primary cardholder will be responsible for any charges you make, so make sure to use the card responsibly.
Here are some ways to get a credit card for foriegners or immigrants to apply without an SSN:
Deserve Edu Mastercard –
The card caters to international students and does not charge an annual fee. Applicants can use their passport and student visa to apply, and may also be eligible for rewards such as cashback and free Amazon Prime Student membership.
Bank of America Travel Rewards Credit Card for Students –
The card caters to international students and does not charge an annual fee. Applicants can use their passport and student visa to apply and may earn points for travel rewards such as airline tickets, hotel stays, and car rentals.
Capital One Platinum Credit Card –
This card is available to individuals with limited or no credit history, including immigrants. It has no annual fee and provides access to a higher credit line after making your first five monthly payments on time. You can apply from this link.
Petal 2 “Cash Back, No Fees” Visa Credit Card –
Individuals with little or no credit history, including immigrants, can apply for this card as it is specifically designed for them. It has no annual fee and offers cash-back rewards for purchases made with the card.
OpenSky Secured Visa Credit Card –
This card is a secured credit card that allows individuals to establish or rebuild their credit history. It requires a security deposit and has an annual fee, but may be a good option for those with no credit or poor credit. Apply from this link.
These are just a few examples of credit cards that may be available to immigrants without an SSN. It’s important to research and compares different options to find the best fit for your individual needs and financial situation.
In conclusion, getting a credit card as an immigrant in the USA without an SSN can be challenging, but it’s not impossible. Now you know the way to get a credit card for foriegners. Applying these options, you can establish your credit score and financial history, which is essential for your financial stability in the USA.
Read more: Get an American Express Credit card without SSN