🏆 Best Credit Cards for ITIN Holders
No SSN? No Problem. Build Credit Starting Today.
These credit cards accept ITIN numbers, require no SSN, and report to all 3 credit bureaus. Start building your American credit history now.
⭐ #1 — OpenSky Secured Visa
No credit check, no bank account needed. Best option for absolute beginners. Reports to Experian, Equifax, and TransUnion monthly.
⭐ #2 — Chime Credit Builder Visa
Zero fees. Zero interest. Zero deposit. Spend from your Chime balance and build credit. Best no-cost option available.
⭐ #3 — Bank of America Secured Credit Card
No annual fee. Upgrade to unsecured after 12 months of responsible use. Your deposit is returned when you upgrade.
⭐ #4 — Self Visa Credit Card
Credit card + credit builder loan combo. Start with 3 payments on your Self account ($25/month), then unlock the Visa card. Double credit building power.
⭐ #5 — Wells Fargo Secured Card
High credit limit option (up to $10K deposit). Automatic review for upgrade after 12 months. One of the most established options.
⭐ #6 — Capital One Secured Mastercard
Lowest deposit option — may qualify with just $49 for a $200 credit line. Automatic upgrade consideration after responsible use.
Comparison Table
| Card | Annual Fee | Min Deposit | Credit Check | Best For |
|---|---|---|---|---|
| OpenSky Secured | $35 | $200 | None | Absolute beginners |
| Chime Credit Builder | $0 | $0 | None | Zero cost option |
| BofA Secured | $0 | $200 | Soft | Existing BofA customers |
| Self Visa | $25 | $0* | None | Card + loan combo |
| Wells Fargo Secured | $0 | $300 | Soft | High limit needed |
| Capital One Secured | $0 | $49 | Yes | Lowest deposit |
📋 Don’t Have an ITIN Yet?
You need an ITIN before applying for any credit card. It takes 7-11 weeks to get one.
Continue Reading
→ Banks that open accounts without SSN
→ How to build credit from zero with ITIN
→ Personal loans for ITIN holders