Getting a credit card in the United States is an important step toward financial independence. But if you are new to the country, an international student, or an immigrant without a Social Security Number (SSN), it may seem confusing or even impossible.
The truth is, you can still get approved for a U.S. credit card without an SSN. Many banks now accept alternative documents like ITIN, passport, or visa status. You can even build a U.S. credit score without an SSN.
This complete guide will show you how to apply, which banks allow it, and which cards are easiest to get approved for in 2025.
Can You Get a U.S. Credit Card Without an SSN?
Yes, it is possible. While most traditional lenders prefer SSN for identity and credit reporting, several banks allow applications using other documents such as ITIN, passport, U.S. visa, or address proof. This makes it possible for newcomers to legally access credit cards and start building a U.S. credit profile.
Many international students, remote workers, freelancers, and new immigrants get approved every year using these alternative documentation options.
What Documents Can You Use Instead of SSN?
If you do not have an SSN, banks may allow the following documents:
- ITIN (Individual Taxpayer Identification Number)
- Passport
- U.S. Visa (F1, H1B, J1, L1, etc.)
- Proof of address (rent agreement, bank statement, utility bill)
- Bank account or income verification
Using ITIN increases approval chances because credit bureaus can use it to track your credit history.
What Is an ITIN and Do You Need One?
An ITIN is a tax processing number issued by the IRS to individuals who cannot get an SSN. It is mainly used for filing taxes, but it is also accepted for opening bank accounts, applying for credit cards, and building U.S. credit.
How to apply for ITIN:
- Complete IRS Form W-7
- Submit passport, visa, and identity documents
- Provide proof of U.S. address
- Submit via mail or IRS-authorized office
Processing takes about four to seven weeks. Once approved, you can use ITIN to apply for credit cards at banks like Capital One, Discover, Citi, American Express, and Bank of America.
Banks That Allow Credit Card Applications Without SSN
Here are major card issuers that accept ITIN or passport:
| Bank | Accepts ITIN | Accepts Passport Only |
|---|---|---|
| Capital One | Yes | Yes |
| Bank of America | Yes | Yes |
| Discover | Yes | No |
| American Express | Yes | No |
| Citi | Yes | No |
| Chase | No | No |
Capital One and Bank of America are the best options for newcomers without an SSN.
Best Credit Cards You Can Get Without an SSN
Capital One Platinum Secured Credit Card
Great for beginners with no U.S. credit history. Reports to all major credit bureaus and accepts passport and ITIN.
Discover it Secured Credit Card
Popular for cashback and credit building. Accepts ITIN and upgrades to an unsecured card after responsible use.
Bank of America Travel Rewards Card
Best for students and frequent travelers. Accepts passport and U.S. address. No foreign transaction fees.
Deserve EDU Mastercard
Designed for international students. Does not require SSN or ITIN. No security deposit.
American Express Global Transfer
Ideal if you have an existing Amex card in another country. Allows account transfer without SSN.
How to Apply for a Credit Card Without SSN
Step 1: Open a U.S. Bank Account
Visit a bank like Capital One, Bank of America, or Wells Fargo. Bring your passport, visa, I-94 document, and proof of address.
Step 2: Apply for ITIN (Recommended)
Improves approval chances and helps lenders report to credit bureaus.
Step 3: Apply for a Secured or Student Credit Card
Secured cards require a refundable deposit and are easier to get approved for. Student cards may not require any deposit.
Step 4: Use the Card Responsibly
Make small monthly purchases, pay in full on time, and maintain low credit usage.
How to Build Credit Without an SSN
Lenders can report your activity using ITIN, passport, birthdate, or address. This allows you to build a FICO score.
Tips to build credit fast:
- Use the card regularly
- Pay your balance in full
- Keep utilization below 30%
- Avoid applying for too many cards
- Never miss a payment
After six to twelve months of responsible use, you may qualify for better rewards, travel, or cashback cards.
Common Mistakes to Avoid
Many applicants get rejected because they apply for advanced cards too early or use their cards incorrectly. Avoid these mistakes:
- Applying for premium travel or rewards cards before building credit
- Using more than 30 percent of your credit limit
- Missing payments
- Applying for multiple cards at once
- Not using the card actively
Final Tips for Approval
- Use accurate and consistent personal details
- If possible, apply in-person at a local bank branch
- Provide strong identity and address proof
- Track your credit through apps like Credit Karma or Experian
- Apply for upgrades after at least six months of responsible use
Final Thoughts
Getting a U.S. credit card without an SSN is possible, and thousands of newcomers do it every year. Whether you are an international student, freelancer, expat, or new immigrant, you can apply using your passport, visa, or ITIN and begin building your American credit journey.
The key is to start with beginner-friendly cards, use them responsibly, and slowly upgrade to premium rewards and travel cards over time.
With the right strategy, you do not need an SSN to build financial credibility in the United States. You simply need to get started.
