Mosy Easy Credit Card for Ssn Holder but Non Us Citizen

Best Credit Cards Without A Social Security Number Of August 2022

Forbes Advisor Staff, Editor

Updated: Aug 1, 2022, 12:42pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Most card issuers in the United States will request credit card applicants to provide a Social Security number (SSN). This helps credit card companies prevent fraud and protects the general public from identity theft. This requirement is not universal for all cards, however. For those who do not qualify for a Social Security card or number, there are still options for opening a U.S. credit card account.

In this article, we outline the top card options available from issuers not requiring a SSN to apply. Alternative forms of ID will be requested in the application process, but these offerings provide solutions for those who want to take advantage of the security features of a credit card, to build credit history or to earn rewards on spending.

Note that you may not be able to apply for some of these credit cards online without a SSN and you may need to go into a bank branch and apply in person instead.

Find The Best Credit Cards For 2022

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Show Summary

• Bank of America® Travel Rewards credit card: Best Without SSN Requirement for Good Credit
• Deserve® EDU Mastercard for Students: Best Without SSN Requirement for Students
• Capital One QuicksilverOne Cash Rewards Credit Card: Best Without SSN Requirement for Fair Credit
• Capital One Platinum Secured Credit Card: Best Without SSN Requirement for No Credit/Bad Credit

Best Without SSN Requirement for Good Credit

Bank of America® Travel Rewards credit card

1.5x Rewards Rate

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees andRead More

Welcome Bonus

25,000 points

Regular APR

16.24% - 26.24% Variable APR on purchases and balance transfers

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it's also a great card to use when traveling.

Pros & Cons

• Earn uncapped rewards
• Bank of America Preferred Rewards clients earn 25%-75% more cashback on every purchase
• No foreign transaction fees

• No bonus categories to boost reward earnings
• No intro APR offer for balance transfers
• APR can be high, depending on creditworthiness

Card Details

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 16.24% – 26.24% Variable APR will apply.
• If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best Without SSN Requirement for Students

Deserve® EDU Mastercard for Students

1% Reward Rate

Earn 1% cash back on all purchases

Welcome Bonus

One year of Amazon Prime Student

Regular APR

20.99% Variable

Credit Score

Limited/No Credit

Why We Picked It

For international students or students without a credit history, the Deserve EDU Mastercard is a compelling option with no annual fee and a flat 1% cash back reward. However, for those with a solid credit history, better student cards are out there.

Pros & Cons

• No annual fee
• No foreign transaction fees
• Useful benefits like cell phone protection
• Doesn't require a Social Security number to apply, allowing international students to qualify

• Cash-back rewards don't exceed 1%
• Nontraditional welcome bonus

Card Details

• Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
• Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
• Feel secure with cell phone protection up to $600.
• No deposit required. No annual fees.
• No international transaction fees on purchases abroad so you can travel with confidence.
• No Social Security Number required for international students to apply.
• Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
• Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
• See if you prequalify with no impact to your credit score in minutes.
• Deserve Mastercards are issued by Celtic Bank, Member FDIC.
• Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Best Without SSN Requirement for Fair Credit

Capital One QuicksilverOne Cash Rewards Credit Card

Up to 5% Reward Rate

Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental carsRead More

Regular APR

26.99% (Variable)

Credit Score

Average, Fair, Limited

Why We Picked It

A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.

Pros & Cons

• Unlimited 1.5% cashback rewards
• Average credit applicants considered
• No foreign transaction fee
• Rewards don't expire

• High APR
• No boosted rate in common spending categories
• No welcome offer
• No intro APR offer

Card Details

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

Best Without SSN Requirement for No Credit/Bad Credit

Capital One Platinum Secured Credit Card

Regular APR

26.99% (Variable)

Credit Score

Limited, Bad

Why We Picked It

With its flexible security deposit requirement and ability to increase credit line beyond the initial deposit, the Capital One Platinum Secured Credit Card is a rare offering.

Pros & Cons

• Applicants may be eligible with limited or bad credit
• No foreign transaction fee
• No annual fee
• Security deposit of $49, $99, or $200

• High APR
• May not be available to borrowers with seriously damaged credit
• No rewards program

Card Details

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

Best Credit Cards Without A Social Security Number

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Methodology

The best cards with applications lacking a strict Social Security number requirement were chosen based on welcome bonuses, fees, rewards and other perks. What is best for the majority of consumers, however, might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

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What Is a Social Security Number?

Following the Great Depression of the 1930s, President Roosevelt signed the Social Security Act as part of the New Deal. The act was designed to stimulate and protect the country's recovering economy and protect the personal resources of its current and future citizens. Since that time, a 9-digit number has been issued to each new U.S. citizen, connecting us all to the Social Security database for life.

This Social Security number (SSN) provides an identification code used for everything from taxes to credit reports to its original intended purpose: social security contributions and payments. To learn more about SSNs and Social Security in general, check out our guide: What is Social Security?

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Why Do Most Card Issuers Require Social Security Numbers?

The U.S. Social Security database is one of the most efficient and secure resources banks can use to verify client identity and personal information. The U.S. Patriot Act of 2001 holds each bank responsible for the individual accounts it opens and provides tools for the tracking of illegal activity such as money laundering or for the identification of potential terrorist threats. For this reason most banks and credit card companies prefer and almost always require a valid Social Security number.

If an applicant does not qualify for a SSN, another form of ID is required to verify personal information. Alternatives for proof of identification vary depending on the card issuer and the type of card requested. Though a SSN is not required to have a credit file with the credit bureaus, many banks use Social Security numbers to run credit checks before approving card applications.

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Card Issuers That Will Consider Applications Without a Social Security Number

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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How to Get a Credit Card Without a Social Security Number

The most common alternative to providing a Social Security number is to use an ITIN, or Individual Taxpayer Identification Number, instead. Most credit card issuers accepting card applications without SSNs will request this as an alternative, along with other documentation required to verify the identity of an applicant.

What Is an ITIN?

Individual Taxpayer Identification Numbers are only available through the IRS when the applicant obtaining an SSN is not possible. The IRS will assign an ITIN to U.S. workers such as immigrants—whether documented or undocumented—foreigners with temporary employment visas or entrants from places such as Cuba or Haiti, as well as certain lawful citizens who have survived domestic violence or other crimes and require identity protection.

It is federally required that anyone with a U.S. income file taxes, so the ITIN allows such individuals to lawfully file this income. Residents as well as nonresidents can apply for ITINs through the Internal Revenue Service, though qualification is not guaranteed in all cases.

Even though many card issuers will process an application using a valid ITIN, it is likely you will need to provide further identifying information. Be prepared to show a copy of your passport and/or U.S. visa if you have one. Some banks may also require that you already have some kind of relationship with them before applying for a credit card, such as holding an existing checking or savings account.

Approvals for someone with neither a SSN or ITIN are rare, though theoretically not impossible.

Prepaid Cards Are a Convenient Last Resort

If you can't qualify for a credit card without a Social Security number, prepaid cards still offer many of the same conveniences with no credit check required. Prepaid cards make online shopping easier and are widely accepted for in-person purchases. Some also provide limited protection against loss or theft. However, keep in mind that these cards do not build credit history.

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How to Get a Business Credit Card without a Social Security Number

The most common solution to applying for a Business Credit Card without an SSN is to apply for an EIN, or Employer Identification Number. Much like the ITIN, this number is issued by the IRS for tax purposes. You as an individual will more than likely first need an ITIN or SSN to then acquire an EIN for your business. Once you have a valid EIN and can add it to your credit card application, you are much more likely to qualify for a business account. Substantial business credit or assets and income will likely be required for a reward-earning or benefit-packed account.

Build Credit without a Social Security Number

Simply by obtaining a credit card, whether you used a Social Security number or not, you begin to build credit. The key is managing credit payments in a responsible way by always paying on time in full and not exceeding a credit utilization ratio of about 30% across all accounts.

Other types of loans also build credit, so a credit card is not required to build credit. Mortgages, car loans and any other type of loan from an issuer who reports payments to the three credit bureaus will work to help build credit.

Bottom Line

Getting a credit card without a Social Security number is possible, especially if you have or qualify for an ITIN. It'll be easier to qualify for credit cards if you have an American-based credit history or an established relationship with the bank. Secured cards can be a great place to start until you're eligible for a wider selection of cards.

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FAQs

What is the best credit card for new immigrants?

Top credit card options for new U.S. immigrants include the Capital One Platinum Secured Credit Card, U.S. Bank Secured Visa® Card* and the First Progress Platinum Prestige Mastercard® Secured Credit Card, but what card might be right for some won't necessarily be right for you. Consider your spending habits, budget and credit situation to determine which card is right for you before applying for any card.

Can you add an authorized user to a credit card without a SSN?

Maybe. Depending on the credit card issuer, you may be able to add authorized users without providing a SSN. For example, American Express requires that authorized users provide a SSN, while Chase only requests the authorized user's personal contact information.

Will my foreign credit history transfer to the U.S.?

Maybe. There is no global standard or system for credit reporting, so your credit score history will likely only exist in the country where you originally built it. That said, when applying for a new credit card in the U.S., you can request a credit card issuer or bank of choice refer to your international score history while assessing your eligibility to start building credit within the U.S.. Call an issuer to ask about specifics regarding your ability to be considered based on a foreign credit report.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author's alone and have not been provided, approved, or otherwise endorsed by our partners.

Becky Pokora is an avid traveler with a particular love for the outdoors. She's always looking for new ways to make travel easier, more memorable, and more affordable, particularly by using miles and points.

Dia Adams is a noted family travel expert and a real-life Mom of two teens in the DC Metro area. She has visited over 45 countries and lived in Thailand, China, and Ireland (where her son was born). Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon.

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