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Best Credit Cards for ITIN Holders in 2026 (No SSN Required)
You don’t need a Social Security Number to get a credit card in the United States. These credit cards accept ITIN holders and report to all three credit bureaus — meaning every payment you make builds your credit score.
Top Credit Cards That Accept ITIN
⭐ #1 — OpenSky Secured Visa Card
Best for: First-time credit builders. No credit check at all — approval is almost guaranteed with the deposit. Reports to Experian, Equifax, and TransUnion monthly.
How to apply with ITIN: Apply online at OpenSky.com. Select “ITIN” when asked for identification type.
⭐ #2 — Chime Credit Builder Visa
Best for: People who want zero fees. Move money from your Chime checking to the Credit Builder card, then spend it. No interest charged. Builds credit with every purchase.
How to apply with ITIN: Open a Chime account first, then activate Credit Builder from the app.
⭐ #3 — Bank of America Secured Credit Card
Best for: People who already bank with BofA. No annual fee, and after 12 months of responsible use, you may be upgraded to an unsecured card with your deposit returned.
How to apply with ITIN: Visit a branch with your ITIN letter and passport. Apply in person for best results.
⭐ #4 — Wells Fargo Secured Credit Card
Best for: Higher credit limits. Deposit up to $10,000 if you want a higher limit. Automatic review for upgrade after 12 months.
How to apply with ITIN: Visit a Wells Fargo branch. Bring ITIN, passport, and proof of address.
⭐ #5 — Self Visa Credit Card
Best for: People who want credit card + credit builder loan combo. First open a Self credit builder account ($25/month), then unlock the Visa card after 3 payments.
How to apply with ITIN: Sign up at Self.inc. ITIN accepted during application.
⭐ #6 — Secured Mastercard from Capital One
Best for: Low deposit requirement. You might qualify with only $49 deposit for a $200 credit line. Automatic upgrade consideration.
How to apply with ITIN: Apply online. Some users report success with ITIN; branch application recommended if denied online.
Comparison Table
| Card | Annual Fee | Min Deposit | Credit Check | ITIN Method |
|---|---|---|---|---|
| OpenSky Secured | $35 | $200 | None | Online |
| Chime Credit Builder | $0 | $0 | None | App |
| BofA Secured | $0 | $200 | Soft | Branch |
| Wells Fargo Secured | $0 | $300 | Soft | Branch |
| Self Visa | $25 | $0* | None | Online |
| Capital One Secured | $0 | $49 | Yes | Online/Branch |
Our Recommendation
If you have no credit history at all: Start with OpenSky or Chime. Both require no credit check and approve ITIN holders consistently.
If you already have a bank account: Apply for the secured card at your same bank. They already know you and approval rates are higher.
If you want zero fees: Chime Credit Builder is the clear winner — $0 annual fee, $0 interest, $0 deposit.
Tips for Getting Approved
- Have your ITIN letter ready (CP565 from IRS)
- Apply at a bank where you already have an account
- Start with secured cards — don’t apply for unsecured cards without credit history
- Apply for ONE card at a time — multiple applications hurt your chances
- If denied online, try in-branch with a banker
→ Next: How to build credit from zero with ITIN