Get a credit card with your ITIN, no SSN required
Building U.S. credit with an ITIN is possible, and faster than most people expect. We help ITIN holders find the right card, understand how approval works, and grow their score step by step.
Find your ITIN card — free
No SSN required. Checking your card options does not affect your credit score.
Buy a home with just 3.5% down*
Our partner offers an FHA home-loan program open to ITIN borrowers. No SSN required, only 3.5% down.* See if you qualify in under a minute.
* FHA program offered by a third-party lending partner. Subject to credit approval, income verification, and program eligibility requirements. Not a guarantee of approval, rate, or terms. How this program works →
What do you need today?
Whether you're starting from zero or ready to upgrade, pick a path and we'll walk you through it.
Secured Cards
Start building credit with a refundable deposit.
Learn more →Best ITIN Cards
Compare the card types and pick the best for your stage.
Learn more →Cards That Accept ITIN
Which issuers and banks take an ITIN.
Learn more →Unsecured Cards
No-deposit cards as your credit grows.
Learn more →Build Credit
Grow your U.S. credit score fast.
Learn more →Business Cards
Cards for ITIN business owners.
Learn more →How to Get an ITIN
Apply for an ITIN with the IRS.
Learn more →How it works
Three steps from "Can I even get a card?" to a real card in your wallet.
Tell us what you need
Answer a few quick questions about the type of card you're after and your state. Takes under a minute, no SSN, no credit pull.
Get matched
We connect you with ITIN-friendly card issuers that fit your situation, so you're not cold-calling banks that will say no. See which credit cards accept an ITIN and compare the best ITIN credit cards to pick the right one for you.
Apply & start building
Apply with the issuer directly, get your card, and start building the credit history that opens doors to better products.
Latest ITIN credit card guides
Plain-English walkthroughs for getting and using a credit card with an ITIN.
Expired ITIN and Your Credit Card: What Happens (2026)
Your existing credit cards stay open when your ITIN expires. But applying for a new card may be blocked. Learn exactly what to do to protect your credit.
2026 Executive Order & ITIN Credit Cards: What Changes Now
Yes, you can still apply for a credit card with an ITIN in 2026, but EO 14406 adds new scrutiny. Here's exactly what changes, what doesn't, and what to do now.
ITIN Credit Cards 2026: Issuer-by-Issuer Comparison
Yes, you can get a credit card with an ITIN. Compare every major issuer that accepts ITINs in 2026, with real limits, fees, APRs, and approval odds side by side.
Just getting started with an ITIN credit card?
These plain-English walkthroughs answer the questions most first-time applicants ask.
- Can you get a credit card with an ITIN? — the short answer, and exactly how it works.
- How to apply for a credit card with an ITIN, step by step.
- Getting your first card with no U.S. credit history.
- Which banks accept an ITIN for credit cards.
- No-credit-check card options for ITIN holders.
- How to pre-qualify for a card with an ITIN before you apply.
ÂżPrefieres español? Visita nuestra guĂa de tarjetas de crĂ©dito con ITIN en español →
Your ITIN is enough to start.
Thousands of ITIN holders get approved for credit cards every year. Find out which card fits your situation, it's free and it won't touch your credit score.
Find your cardITIN credit cards: common questions
Can I get a credit card with an ITIN instead of an SSN?
Yes. Many U.S. banks, credit unions, and fintech companies accept an Individual Taxpayer Identification Number in place of a Social Security Number. A secured credit card, backed by a refundable deposit, is the easiest entry point for ITIN holders with no prior U.S. credit history.
Will getting a credit card with my ITIN build a credit score?
Yes, provided the issuer reports to the three major credit bureaus, Equifax, Experian, and TransUnion. Paying on time each month is the single most powerful credit-building action (payment history = 35% of FICO). Most major secured card programs report to all three bureaus.
How much does a secured card deposit cost?
Most secured cards require a minimum deposit of $200 to $500. The deposit is fully refundable, you get it back when you close the account or are upgraded to an unsecured card. It is not applied to your monthly payments; it simply secures the credit line.
How long does it take to go from zero to a good credit score?
A FICO score appears after six months of activity on a reporting account. A score in the "fair" range (580-669) typically takes 12 months. Reaching "good" (670+) takes 18-24 months of consistent on-time payments and low utilization. The timeline is predictable and the inputs are within your control.
Is ITINCreditCard.com a bank or card issuer?
No. We are an independent information and card-matching resource. We publish guides and help ITIN holders find card issuers that accept their ITIN. We do not issue cards, make credit decisions, or set card terms. All cards are provided by third-party issuers.