How to Get an ITIN

An ITIN is your key to filing taxes, opening accounts, and getting a U.S. credit card without an SSN. Here's exactly how to apply, step by step.

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Updated June 5, 2026

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Quick Answer

To get an ITIN, file IRS Form W-7 with proof of identity and foreign status (a passport covers both), usually alongside a federal tax return. Submit by mail, through an IRS-authorized Certifying Acceptance Agent, or at a Taxpayer Assistance Center. The IRS issues your ITIN in about 7–11 weeks. Once you have it, you can apply for a credit card to start building U.S. credit.

What is an ITIN and why do you need one?

An Individual Taxpayer Identification Number (ITIN) is a nine-digit tax processing number the IRS issues to people who need to file U.S. taxes but aren't eligible for a Social Security Number. It always starts with the digit 9 (for example, 9XX-XX-XXXX). The IRS has issued more than 5.8 million ITINs to residents, workers, and taxpayers across the country.

An ITIN doesn't grant work authorization or immigration status — but it does enable you to open a U.S. bank account, apply for a credit card, and begin building a U.S. credit history. For most ITIN holders, getting a credit card is one of the most valuable things they can do with their ITIN. It starts the credit file that eventually unlocks better rates on everything from car financing to apartment rentals.

Step-by-step: how to apply for an ITIN

Complete IRS Form W-7. Download the current version from IRS.gov. The form asks for your name, mailing address, birthdate, country of birth, and the reason you need an ITIN. Most people check box "a" (nonresident alien required to file a return) or box "h" (other, with an explanation).
Gather your identity and foreign-status documents. A valid passport is the simplest choice — it's the only single document that proves both identity and foreign status. Without one, you need two separate documents from the IRS's approved list (such as a national ID card plus a birth certificate).
Prepare your federal tax return. Most W-7 applicants must attach a completed (but unsigned) federal income tax return. Exceptions exist for dependents of U.S. citizens, students on certain visas, and others — check the W-7 instructions for your situation.
Choose how to submit. Three options are available (see comparison table below). Each has trade-offs around convenience, document risk, and cost.
Wait for your ITIN letter. The IRS mails your ITIN on an IRS CP565 notice. Keep this letter — it's your official ITIN document and many card issuers ask to see it.

Three ways to submit your ITIN application

Method	How it works	Pros	Cons
By mail to the IRS	Send W-7, tax return, and original documents (or certified copies) to the IRS ITIN Operations center	Free; no appointment needed	Must mail original passport; documents in transit for weeks
Certifying Acceptance Agent (CAA)	An IRS-authorized agent verifies your documents and submits W-7 on your behalf	You keep your passport; agent handles the process	Agent may charge a fee ($50–$250 typical)
IRS Taxpayer Assistance Center (TAC)	In-person document review at an IRS office by appointment	Free; you keep your passport; IRS reviews documents in person	Appointment required; limited locations; seasonal availability

Most people use a Certifying Acceptance Agent to avoid mailing a passport. Your tax preparer may already be a CAA, or the IRS has a searchable CAA directory on IRS.gov.

After you get your ITIN — next steps for credit

Once your ITIN arrives, the most valuable financial move you can make is opening a credit card. A secured credit card requires no existing credit history — just your ITIN, ID, proof of address, and a $200–$500 deposit. Every on-time payment starts building your FICO score. After 6–12 months you'll have a real credit score, and after 12–24 months a competitive one.

To find issuers that accept your ITIN: which credit cards accept an ITIN. For the full credit-building roadmap: how to build credit with an ITIN. Ready to start: find your card now.

For official forms and the latest IRS requirements, always consult IRS.gov. This guide is general educational information, not tax or legal advice.

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Common questions

How do I apply for an ITIN?

File IRS Form W-7 with proof of identity and foreign status — a valid passport is the simplest document because it proves both. You can submit by mail to the IRS, through an IRS-authorized Certifying Acceptance Agent (CAA), or in person at an IRS Taxpayer Assistance Center (TAC). Most applicants must also attach a federal tax return unless they qualify for an exception.

How long does it take to get an ITIN?

The IRS typically processes ITIN applications in 7 to 11 weeks. Processing is slower from January through April (peak tax season). Applying outside that window is faster. A Certifying Acceptance Agent can sometimes speed up the process by handling document verification on your behalf.

What documents do I need to apply for an ITIN?

You need a completed Form W-7 and documents proving identity and foreign status. A valid passport is the only single document that satisfies both requirements. Without a passport, the IRS requires two documents — one proving identity and one proving foreign status — from its approved list.

Does it cost money to get an ITIN?

The IRS charges no fee for Form W-7 itself. Certifying Acceptance Agents and tax preparers may charge for their assistance. You can apply directly for free if you are comfortable with the process.

Do I need to renew my ITIN?

ITINs not used on a federal tax return for three consecutive years expire automatically. Certain older ITINs (issued before 2013) also expire on a rolling schedule. If yours has expired, file Form W-7 with an updated return to renew it before applying for a credit card.

Can I get a credit card right after getting my ITIN?

Yes. Once you have your ITIN, you can apply for a credit card immediately. A secured credit card is the best first step — you don't need any credit history, just your ITIN, ID, proof of address, and a deposit. Your card activity will start building a U.S. credit file right away.