I got and EIN but was still asked to give out my Social Security Number to the bank in an application. The provider offers nearly 20 personal credit cards, and many of them are market-leading options in their spaces. Several of the largest issuers in the U.S. allow you to apply for a credit card without an SSN. The tips below can improve your approval chances. Among noncitizens, who is typically allowed to get a Social Security number? Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. If you don’t have a Social Security number, Amex may now be a great option for you. Building credit with a secured card. This means that to build a credit score, you can apply for a credit card that does not require SSN. If you’ve attempted to apply for a credit card, you’ve probably noticed most applications require a Social Security number (SSN). If you’d like one of these cards, be prepared to produce supporting information, such as proof of employment in the US, your student visa, etc. At the time of research*, the APR on offer is 16.99% - reasonable compared to other credit cards available. They are: American Express, Bank of America, Capital One, Chase and Citibank. Business Credit Cards That Don't Require a Personal Guarantee. Another way to obtain a credit card without a SSN is to apply through a creditor that doesn’t require it or an ITIN. Card Advice. As your credit score increases, you may qualify for some of the best credit cards. Experian. But you have other options. To apply for a business credit card without using a Social Security number, you need another form of identification as a substitute. You don’t even need the full amount of cash on hand. There are three main options if you want a credit card but don’t have a Social Security number: Apply for an Individual Taxpayer Identification Number (ITIN), look for a card that doesn’t require an SSN or — if you’re from an eligible country — apply for an American Express personal credit card. Small business credit cards require a personal guarantee, which means that you … This card is currently not available. If you are By Chosen Payments credit card processor February 27, 2019 With identify theft on the rise, people are guarding their Social Security Numbers and personal information more closely than ever. Instead, use a bank that accepts ITINs or other forms of ID. It also means most credit card providers won’t offer you the best credit cards. With CreditStacks, you can apply with your passport, visa information and proof of employment in the United States. Once you have an ITIN, you can use the nine-digit number where providers usually ask for your SSN. A person may be able to get by without a foreign passport when enough identifying information is provided to the creditor. However, without a Social Security number (SSN), you will have far fewer options available. Galina “Allie” Petrova, an attorney in Greensboro, North Carolina, said newcomers to the U.S. and international students without a credit history here should consider secured credit cards as a way to help build credit.. A secured card works much like a traditional unsecured credit card, with one notable difference. Not only that but getting an SSN is a complicated, lengthy process. Deserve and Seneca Women’s new credit card will reward you for shopping with women-owned businesses. What’s the Difference Between Student and Secured Credit Cards? Internal Revenue Service. This requires an initial security deposit your provider can take if you fail to pay your bill. During that time, keep these two things in mind: Getting your FICO score is a big milestone. After you get your new credit card, it’s time to build your credit score. Life without a Social Security Number can be tricky. Input your current credit card balance and interest rate to calculate your potential savings. No matter where you decide to submit an application, ask about using an ITIN before you apply. Some lenders allow you to apply for a credit card using an Individual Taxpayer Identification Number (ITIN) or other documentation. But it’s hard not to say that you can’t, as long as you put a little effort into it, there’s still a chance to apply for a US credit card. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. This lender’s lack of transparency may make it more difficult to know what you’re getting into. What Does Annual Income Mean When Applying for a Credit Card? The other factors are the length of your credit history, credit mix and new credit. Finder.com is an independent comparison platform and Some lenders allow you to apply for a credit card using an Individual Taxpayer Identification Number (ITIN) or other documentation. It takes six months of credit card use to get a FICO score, which is the most widely used score in the United States. They will reject your application, which can further damage your credit score. 7 ways to get a Credit Card without a SSN. This means you don’t need a Social Security number to apply, though you’ll still need a US-based address. But as these anonymous cards became popular among thieves and money launderers, the government enacted laws that required most prepaid card issuers to collect a cardholder’s Social Security number before the card could be activated. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Check with the Social Security Administration to learn about your options. It is possible to open a credit card without an SSN. What credit score do I need to apply for a better credit card, like a rewards card? to us. Rule of Thumb: How Often Should You Check Your Credit Report? This new debit card will let you pay for purchases over time when it debuts later this year. Business Rating. The following credit card issuers will work with people who do not have an SSN: American Express Read on to learn how to get a credit card without a Social Security number and how you can start building a credit history in the U.S. After you get your credit card, pay your bill on time and keep your debt low. Home credit card processor Why Do Credit Card Processors Ask for Your Social Security Number? Application Materials for a Credit Card. "Individual Taxpayer Identification Number." You can do so by mail, at walk-in IRS locations, or through IRS-authorized Acceptance Agents. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. In fact, there is only one way that you can do it, and that requires an alternative identification number. Optional, only if you want us to follow up with you. "Can Non-U.S. Citizens Get a Credit Card?" You can get an auto loan without an SSN to buy the car you need. A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. Apply for a Credit Card Without a Social Security Number. To ensure you have the most up to date information, you should verify relevant information A solid cashback card with no credit history required to apply for it. Some credit card companies accept an alternate form of identification in lieu of an SSN. A provider is often more willing to offer this type of card without seeing established credit. 29, 2021. Other providers may let you apply with the right supporting documentation. Credit card providers want to see that you have enough income to pay your credit card bill. To do so, they often use your SSN, but they can use other methods if you don't have one. finder.com is a financial comparison and information service, not a bank or What Are Your Odds of Getting Approved for a Credit Card? Fortunately, there’s more than one way to get a credit card without a Social Security number. You only need their name, birthday and address in most cases. Once you know what it is, keep building it with the same strategy you’ve been using: on-time payments and low debt. Some banks won’t issue any credit cards to individuals without a Social Security number or ITIN. How to Join, Apply, and Borrow From a Credit Union. Finder.com LLC. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, 32 East 31st Street, 4th Floor, That approach may be appealing for students in the U.S. temporarily or anybody who doesn't plan to apply for an ITIN. The provider may require proof to support the figure you provide. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. … It may seem like you’re out of luck for a credit card if you don’t have a Social Security number. With most of them, you can apply with an ITIN. CreditStacks Mastercard Credit Card You won’t need an SSN or any local credit history in the US, to apply for this card. Some business credit cards will let you apply with an individual taxpayer identification number (ITIN), a number available to immigrants and their spouses. Of the seven major credit card issuers that we researched, five will allow you to apply for a credit card without an SSN. I probably won't actually spend too much money with the credit card, my goal is to be just making steady payments for a few years on a credit card while doing my actual spending with debit so I'm not completely fucked coming out of college. with the product or service provider and understand the information they provide. There’s no annual fee to pay, and the card can help you build a credit history and improve your credit score⁶. Link: Credit Cards for New Immigrants. How to apply for a credit card without an SSN There are three main options if you want a credit card but don’t have a Social Security number: Apply for an Individual Taxpayer Identification Number (ITIN), look for a card that doesn’t require an SSN or — if you’re from an eligible country — apply for an American Express personal credit card. Lenders also evaluate your creditworthiness. Lenders need a way to verify your identity and track your credit history. Lenders also evaluate your creditworthiness. On your application, be honest about your annual income. See if you prequalify with no impact to your score. But for folks who do NOT have a Social Security Number, there are still cards you can apply for until you get one! Your borrowing history and income are also important factors. To receive your ITIN, apply with the IRS. But obtaining an ITIN does not necessarily mean you’ll get approved. While we receive compensation when you click links to partners, they do not influence our content. One of your best options then is to get a secured credit card. Accessed Mar. Each provider has its own requirements, and nothing is ever guaranteed. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Getting a business credit card without a Social Security number is possible, but it’s not easy, especially if you have the form of identification. You can help lenders reduce risk and improve your chances of being approved by applying for a secured credit card. Capital One and Citi both offer cards for people without a Social Security number. See if you prequalify with no impact to your credit. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. American Express. He covers banking basics, checking, saving, loans, and mortgages. But requirements vary by credit card company, and not all of them will allow you … After overcoming the hurdle of a Social Security number, you should consider two additional factors in particular: your credit score and income. 29, 2021. Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. Capital One® Spark® Classic for Business. Closer investigation of the facts indicates that getting a credit card without SSN (a Social Security number) is very close to impossible. If you aren’t able to get an SSN, try one of the cards in the table above. If you don’t have either an SSN or ITIN, you could get a credit card like American … For the most part this applies to people with certain immigration status, such as International Students, or people on certain types of visa. 1% cash back on all purchases or up to 6% cash back by referring friends. Among noncitizens, typically only those authorized to work in the US can obtain an SSN, according to the Social Security Administration. But obtaining an ITIN does not necessarily mean you’ll get approved. Besides payment history and credit utilization, what other factors go into my FICO score? 1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants. Or, present these materials at an IRS walk-in office or authorized Acceptance Agent. information service that aims to provide you with information to help you make better decisions. For people with no credit history, a secured credit card is also a good option to get a credit score without SSN. But if you don’t have an SSN, acquiring a card might feel near-impossible. The big news: If you’re from an eligible country, Amex can now pull your credit history from your home country to evaluate your application for a personal credit card. See how you can check your credit score without an SSN. Credit card companies earn revenue whenever you use your card, so they’re eager to add new customers. Simplify Your Credit Card Search with Myfin! To provide evidence to build credit, you need a credit card. "How Do I Apply for an ITIN?" Unfortunately, your credit history from your home country doesn’t carry over to the United States. Fortunately, it is possible to get a business credit card without a Social Security number, but it is harder to do than applying with a Social Security number.. We strive to ensure our content is clear and honest. Read about them at our guide to the FICO score. If you live in the U.S. and you don’t have a Social Security number (SSN), you’re probably familiar with the challenges that come up when you try to open accounts or complete administrative tasks. Submit this form by mail, along with relevant immigration forms and proof of identity. Even if you’ve never borrowed before, it’s critical to check your credit and fix any errors in your credit reports. New York, NY, 10016. Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. product provider, We cannot provide you with personal advice or recommendations, Petal® 1 "No Annual Fee" Visa® Credit Card, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, six months of credit card use to get a FICO score, Coming: New credit card that rewards shopping at women-owned businesses, Buy now and pay later with the new Affirm debit card, How to deal with debt when you have bad credit. With that approach, you deposit money with a lender, who then issues a card with a limit that matches your deposit. In some cases, you don’t even need an ITIN. We may also receive compensation if you click on certain links posted on our site. Deserve may or may not require an SSN “depending on your current status,” according to the provider’s website. That said, lenders may hesitate to offer cards to anybody they perceive to be risky. In most cases, you cannot get a business credit card without a SSN. SSNs and ITINs help to verify your identity, but lenders also need to evaluate your creditworthiness. Support your child’s financial knowledge and teach the important real-life money skills in a safe and controlled way with a kids’ debit card. Go into my FICO score is a useful tool 's ideal for rebuilding scores as low as 550 is get! Are also important factors at an IRS walk-in office or authorized Acceptance Agent `` do. 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Issuers in the table above using your Social Security number ) is a registered trademark of Empire! That accepts ITINs or other documentation and Citibank can further damage your credit history, credit mix and credit. Repayments divided by your monthly debt repayments divided by your monthly income comparison platform and information service that aims provide! … it is possible, especially if you do n't have one a way to verify your identity track! All purchases or up to 6 % cash back on all purchases or up to 6 cash. Providers will accept on their applications though you ’ ll get approved offer cards to anybody they perceive to risky. The tools you need to get a Social Security number re out of luck for a credit,...