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
Credit with an ITIN: cards, credit builders and loans
With an ITIN you can start a US credit history. Fewer companies accept it than an SSN, so the list is shorter, but the path is the same: a small product that reports your payments, then a card, then a loan.
- Bank account
- SSN or ITIN
- Credit builderYou are here
- First card
- Loans at fair rates
Build credit with an ITIN
The Extra card works with an ITIN, a US government ID such as a state ID, and a checking account at a supported bank.
Credit cards with an ITIN
Capital One secured cards accept an ITIN. The Amex transfer works only if you already have an Amex card from another country.
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
American Express Global Card Transfer
For Amex cardholders abroad
- You need
- Amex card 3+ months
Apply now
on the American Express website
on the American Express website
A card secured by your car
Loans with an ITIN
OneMain and Rize lend in many states. Credit unions lend only to members in their area, but their rates are often lower.
OneMain Financial Personal Loan
1,300+ branches
- APR
- 11.99-35.99%
- Loan amount
- $1,500-35,000
- Term
- 24-60 months
Apply now
on the OneMain Financial website
on the OneMain Financial website
Rize Federal Credit Union Personalized Loan
Accepts ITIN, most states
- APR
- 9.00-16.00%
- Loan amount
- From $250
- Term
- 2-5 years
Apply now
on the Rize FCU website
on the Rize FCU website
Latino Community Credit Union
North Carolina residents
- APR
- 16.00% (signature)
- Loan amount
- Up to $20,000
- Term
- 6-48 months
Only: NC
Apply now
on the Latino CCU website
on the Latino CCU website
Fibre Federal Credit Union
Same rate as with SSN
- Term
- 12-60 months
Only: WA, OR
Apply now
on the Fibre FCU website
on the Fibre FCU website
Step by step
- 1
Keep your ITIN active
An ITIN expires if it is not used on a federal tax return for 3 tax years in a row. An expired number can mean a refused application, so file your return every year.
- 2
Start with one product that reports your payments
Pick one product that takes an ITIN and reports to the credit bureaus, and pay on time every month. It does not depend on a score you do not have yet.
- 3
Add a card
Some big banks accept an ITIN on secured cards. Use the card for small purchases and pay the full balance every month.
- 4
Borrow only when you need to
A few lenders and credit unions give personal loans with an ITIN. Compare the APR and keep it at 36% or less.
Questions people ask
Can I build credit with an ITIN?
Yes. Some banks and lenders accept an ITIN instead of an SSN, for example Capital One for its secured cards. Pay on time every month and the history builds up.
What happens to my history if I get an SSN later?
Give your new SSN to your banks and lenders and ask them to update your accounts. Then check your free credit reports to make sure your ITIN history shows up under the new number.
When does an ITIN expire?
If it was not included on at least one federal tax return for 3 tax years in a row, it expires on December 31 of the third year.