Getting a credit card in the United States is one of the most important financial steps for newcomers. However, most banks require a Social Security Number (SSN) to approve applications. The good news is — you can still get a credit card in the USA without an SSN legally and start building your credit history right away.
In this guide, you’ll learn exactly how non-U.S. citizens, immigrants, students, and workers can get approved for a credit card using alternative documents like an ITIN.
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What Is an SSN, and Why Do Banks Ask for It?
The Social Security Number (SSN) is a 9-digit number issued to U.S. citizens and authorized workers. Banks use it to:
Verify your identity
Check credit history
Report payments to credit bureaus
Prevent fraud and financial crimes
But if you don’t have an SSN, don’t worry. There are alternatives that banks accept.
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Can You Really Get a Credit Card Without SSN?
YES.
You can legally apply for a credit card in the USA without an SSN if you have:
✔ ITIN (Individual Taxpayer Identification Number)
✔ Foreign passport + U.S. address
✔ International credit history via Nova Credit
✔ U.S. bank account with debit history
These documents allow banks to verify your identity without needing an SSN.
Best Credit Cards You Can Get Without SSN in 2025
1. Deserve EDU Mastercard
Best for: International students
No SSN required
Reports to all 3 credit bureaus
No annual fee
Cell phone protection included
⭐ Perfect starter card if you're new to U.S. credit.
2. American Express Global Card Transfer Program
Best for: Applicants with credit history in another country
If you already have a credit card in India, UK, Mexico, Canada, or UAE, you can transfer your existing credit profile to the USA.
No SSN needed initially
Premium benefits
High approval chances if foreign credit is strong
💡 Ideal for immigrants and expats.
3. Capital One Platinum
Best for: Non-citizens with ITIN
Accepts ITIN instead of SSN
No security deposit
Reports monthly to credit bureaus
Helps build score from scratch
📈 A great pathway to unsecured credit cards.
4. Chime Credit Builder Card
Best for: People who want credit without debt
Works like a debit card
No SSN required if identity verified
No interest, no fees, no credit check
Reports usage to bureaus
🔐 Impossible to overspend — beginner friendly.
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How to Apply for a Credit Card Without SSN (Step-by-Step)
Step 1 — Apply for an ITIN
If you don’t have an SSN, get an ITIN from the IRS using Form W-7.
Processing time: 6–9 weeks
Cost: Free
Step 2 — Open a U.S. Bank Account
Banks like Chime, Bank of America, and Chase allow ITIN or passport-based accounts.
Step 3 — Apply for a Credit Card
Choose a card from the list above and use your ITIN instead of SSN.
Step 4 — Build Credit
Pay on time, keep utilization low, and monitor your score regularly.
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Documents Required
To apply without SSN, you need:
Passport
ITIN Letter
U.S. Address (lease, bank statement, or utility bill)
Visa status (F1, H1B, Work Permit)
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Can You Build Credit Without SSN?
Absolutely YES!
These tools help:
Experian Boost (adds bills to credit file)
Kikoff (reports monthly payments)
Nova Credit (imports foreign credit history)
Your score may start showing within 30–60 days.
Frequently Asked Questions
Q1. Is it legal to get a credit card without SSN?
Yes. The IRS and banks allow ITIN-based applications.
Q2. What if I get SSN later?
You can update your card account anytime — no penalty.
Q3. How long does it take to build credit?
With consistent payments: 3–6 months for noticeable growth.
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Conclusion
You do not need an SSN to start your financial journey in the United States. With an ITIN, passport, and the right credit card, you can:
✔ Get approved
✔ Build a U.S. credit score
✔ Access financial products
✔ Improve your future loan and rental opportunities
Your credit future starts now — even without an SSN.
