Best Credit Cards Without A Social Security Number (SSN) Of August 2022 – Forbes Advisor

The two most popular card issuers for applicants without an SSN are American Express and Citibank. These issuers also both offer cards outside the U.S. and if you have an open account with either issuer in another country, your foreign credit activity will be considered.

American Express Global Card Relationship

For existing American Express customers, the American Express Global Card Relationship program is a great option for discovering new credit cards. You can access information on available cards simply by logging into your active international Amex account.
To qualify for the program you will need to provide the number for your existing international account. This account must be in good standing and have been active for at least three months prior to submitting an application for a new U.S. card.

Citibank Global Banking

While Citibank does not have an online card application for its existing customers, it is possible to call the bank directly and request any current account history be linked to an application for a new card. With good history, this should make your application stronger as it helps the bank verify your identity and evaluate your current level of assets and credit history. Calling or applying at a branch in person makes sense particularly for existing Citibank members with a foreign account, though your level of assets and credit history will likely need to be substantial and well-established to qualify you for the Global Banking program.

Other Banks and Card Issuers

Bank of America also offers credit cards without requiring provision of a Social Security number. With a valid ITIN—a number which is only available to those not eligible for a SSN—two great cards you may qualify for are the Bank of America® Travel Rewards credit card for Students* and the Bank of America® Customized Cash Rewards credit card. Both of these will earn you rewards. In order to qualify, however, Bank of America recommends making sure that you have a good or excellent credit history beforehand. You will also need to apply at a branch in person.

Capital One will also accept an ITIN as an alternative ID on its online card applications. For those applying for a first credit card or with a fair or limited credit history, the bank has a few starter card options as well. A great card for this is the Capital One Platinum Credit Card . Most new applicants will receive only a small credit line to start, but can qualify for a credit increase after as few as six months of on-time payments. The Capital One QuicksilverOne Cash Rewards Credit Card has an annual fee, but offers cash rewards for eligible applicants with average credit or above.

Chase is another bank that accepts card applications online with an ITIN, though it may be more difficult to qualify with fair or limited credit history as Chase requires a good credit score for most card applications.

Both U.S. Bank and Wells Fargo accept an ITIN as a replacement for SSN identification, but this applies to secured cards only.

Unfortunately, Discover and Barclays are two widely used companies not accepting card applications without a Social Security number. If you have a card issuer in mind but are unsure about their policy regarding SSN identification, we recommend calling a branch directly to find out more before applying for a card online.

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