Capital One Platinum Secured
Accepts ITIN
- APR
- 29.24% variable
- Annual fee
- $0
- Deposit
- $49 / $99 / $200
Apply now
on the Capital One website
on the Capital One website
Credit card without an SSN: ITIN credit cards and other options
Most card applications ask for an SSN, but some banks also take an ITIN. With an ITIN your best start is a secured card. With only a passport the choice is much smaller.
- Bank account
- SSN or ITIN
- Credit builder
- First cardYou are here
- Loans at fair rates
Cards that accept an ITIN
Capital One Quicksilver Secured
ITIN accepted, 1.5% cash back
- APR
- 29.24% variable
- Annual fee
- $0
- Deposit
- From $200
Apply now
on the Capital One website
on the Capital One website
Neighborhood Trust FCU Community Card (share-secured)
Accepts ITIN
- APR
- From 9.50%
- Annual fee
- $25
- You need
- SSN or ITIN
Apply now
on the Neighborhood Trust FCU website
on the Neighborhood Trust FCU website
A card secured by your car
Already have a card in your home country?
Only a passport
The secured Visa card from Majority, on its paid Plus plan. It reports to one credit bureau, TransUnion.
Majority
Open with a passport
- Monthly fee
- $0 or $6.99 (Plus)
- Transfer fee
- $1.99 on Base
- Reports to
- TransUnion (Plus card)
Open account
on the Majority website
on the Majority website
Not ready for a card yet?
A credit builder gives you a history to show before you apply. Extra works with an ITIN and a US government ID, such as a state ID.
Extra Debit Card
Debit card, accepts ITIN
- Monthly fee
- $20/mo or $149/yr
- Reports to
- Equifax, Experian
Open account
on the Extra website
on the Extra website
Questions people ask
What is a secured card?
A credit card where you put down a refundable deposit, and the bank gives you a credit line. It works like a normal credit card and reports your payments to the credit bureaus.
Can I get a credit card with only a passport?
It is rare. Majority gives a secured Visa card to members on its Plus plan without an SSN. For other cards, get an ITIN first.
Which credit cards accept an ITIN?
Capital One accepts an ITIN on its secured cards and on several regular and student cards. The Community Card from Neighborhood Trust FCU in New York also takes an ITIN, with the same rates as with an SSN.
Can an international student get a credit card without an SSN?
If you have an ITIN, yes: Capital One student cards accept it. If you have been the primary holder of an American Express card from your home country for at least 3 months and have a US bank account, Amex can use it for a US card. With only a passport, look at the Majority secured card.