Getting a credit card as a newcomer in the USA without a Social Security Number (SSN) may seem challenging.
Fortunately, many banks and credit card issuers accept ITIN (Individual Taxpayer Identification Number) instead, including options for ITIN credit cards.
In this guide, you’ll discover the best ITIN credit cards, their features, and tips to help you start building credit safely.
What is an ITIN-Friendly Credit Card?
An ITIN friendly credit card allows immigrants without SSN to open a credit account using their ITIN, including options for ITIN credit cards.
- Can be secured or unsecured
- Reports to credit bureaus
- Helps establish your credit history
- Often designed for newcomers with little or no credit
Using these cards responsibly helps you build a strong financial foundation in the USA.
Top ITIN Friendly Credit Cards for New Immigrants
1. Bank of America® Secured Credit Card
- Requires a refundable deposit (usually $300–$500)
- Reports to all three major credit bureaus
- No annual fee
- Ideal for first time credit users
2. Deserve® EDU Mastercard for Students
- No SSN required; ITIN accepted
- No annual fee
- Rewards on purchases (1%–2%)
- Great for international students and young professionals
3. Capital One® Secured Mastercard
- Deposit starts as low as $49, $99, or $200 (depending on creditworthiness)
- Reports to major credit bureaus
- Online account management available
- Builds credit with responsible use
4. Tomo Credit Card
- No credit history or SSN required; ITIN accepted
- No annual fees
- Rewards for everyday spending
- Focused on tech-savvy newcomers
How to Apply
- Choose a card that accepts ITIN
- Gather required documents:
- Passport
- ITIN
- Proof of address
- Apply online or in person
- Wait for approval
- Start using the card responsibly
Tip: Start with one card at a time and pay balances in full each month to build a good credit score.
Tips for Using ITIN Friendly Cards
- Pay your balance on time every month
- Keep credit utilization below 30%
- Avoid opening too many accounts at once
- Monitor your credit score regularly
Responsible use of these cards is the fastest way to establish credit history in the USA.
Related Guides
Start building your credit today by choosing an ITIN friendly credit card that fits your needs.
Check our Credit Cards category for detailed reviews and step by step application guides for newcomers in the USA.