{"id":138,"date":"2026-05-15T15:04:38","date_gmt":"2026-05-15T19:04:38","guid":{"rendered":"https:\/\/www.us.eloanex.com\/itin-credit-cards\/"},"modified":"2026-05-15T15:32:19","modified_gmt":"2026-05-15T19:32:19","slug":"itin-credit-cards","status":"publish","type":"page","link":"https:\/\/www.us.eloanex.com\/es\/itin-credit-cards\/","title":{"rendered":"Best Credit Cards for ITIN Holders"},"content":{"rendered":"
\n

\ud83c\udfc6 Best Credit Cards for ITIN Holders<\/h1>\n

No SSN? No Problem. Build Credit Starting Today.<\/h2>\n

These credit cards accept ITIN numbers, require no SSN, and report to all 3 credit bureaus. Start building your American credit history now.<\/p>\n<\/div>\n

\n
\n
6<\/div>\n
Cards Available<\/div>\n<\/div>\n
\n
$0<\/div>\n
Annual Fee Options<\/div>\n<\/div>\n
\n
3<\/div>\n
Bureaus Reported<\/div>\n<\/div>\n
\n
550+<\/div>\n
Min Score (or none)<\/div>\n<\/div>\n<\/div>\n
\n

\u2b50 #1 \u2014 OpenSky Secured Visa<\/h3>\n
Annual Fee:<\/strong> $35<\/span>Deposit:<\/strong> $200-$3,000<\/span>Credit Check:<\/strong> NONE<\/span><\/div>\n

No credit check, no bank account needed. Best option for absolute beginners. Reports to Experian, Equifax, and TransUnion monthly.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

\n

\u2b50 #2 \u2014 Chime Credit Builder Visa<\/h3>\n
Annual Fee:<\/strong> $0<\/span>Deposit:<\/strong> $0<\/span>Credit Check:<\/strong> NONE<\/span><\/div>\n

Zero fees. Zero interest. Zero deposit. Spend from your Chime balance and build credit. Best no-cost option available.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

\n

\u2b50 #3 \u2014 Bank of America Secured Credit Card<\/h3>\n
Annual Fee:<\/strong> $0<\/span>Deposit:<\/strong> $200-$5,000<\/span>Credit Check:<\/strong> Soft Pull<\/span><\/div>\n

No annual fee. Upgrade to unsecured after 12 months of responsible use. Your deposit is returned when you upgrade.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

\n

\u2b50 #4 \u2014 Self Visa Credit Card<\/h3>\n
Annual Fee:<\/strong> $25<\/span>Deposit:<\/strong> $0 (funded by Self account)<\/span>Credit Check:<\/strong> NONE<\/span><\/div>\n

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.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

\n

\u2b50 #5 \u2014 Wells Fargo Secured Card<\/h3>\n
Annual Fee:<\/strong> $0<\/span>Deposit:<\/strong> $300-$10,000<\/span>Credit Check:<\/strong> Soft Pull<\/span><\/div>\n

High credit limit option (up to $10K deposit). Automatic review for upgrade after 12 months. One of the most established options.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

\n

\u2b50 #6 \u2014 Capital One Secured Mastercard<\/h3>\n
Annual Fee:<\/strong> $0<\/span>Deposit:<\/strong> $49-$200<\/span>Credit Check:<\/strong> Yes<\/span><\/div>\n

Lowest deposit option \u2014 may qualify with just $49 for a $200 credit line. Automatic upgrade consideration after responsible use.<\/p>\n

How to Apply \u2192<\/a>\n<\/div>\n

Comparison Table<\/h2>\n\n\n\n\n\n\n\n\n
Card<\/th>\nAnnual Fee<\/th>\nMin Deposit<\/th>\nCredit Check<\/th>\nBest For<\/th>\n<\/tr>\n
OpenSky Secured<\/td>\n$35<\/td>\n$200<\/td>\nNone<\/td>\nAbsolute beginners<\/td>\n<\/tr>\n
Chime Credit Builder<\/td>\n$0<\/td>\n$0<\/td>\nNone<\/td>\nZero cost option<\/td>\n<\/tr>\n
BofA Secured<\/td>\n$0<\/td>\n$200<\/td>\nSoft<\/td>\nExisting BofA customers<\/td>\n<\/tr>\n
Self Visa<\/td>\n$25<\/td>\n$0*<\/td>\nNone<\/td>\nCard + loan combo<\/td>\n<\/tr>\n
Wells Fargo Secured<\/td>\n$0<\/td>\n$300<\/td>\nSoft<\/td>\nHigh limit needed<\/td>\n<\/tr>\n
Capital One Secured<\/td>\n$0<\/td>\n$49<\/td>\nYes<\/td>\nLowest deposit<\/td>\n<\/tr>\n<\/table>\n
\n

\ud83d\udccb Don’t Have an ITIN Yet?<\/h2>\n

You need an ITIN before applying for any credit card. It takes 7-11 weeks to get one.<\/p>\n

Get Your ITIN Guide \u2192<\/a>\n<\/div>\n

Continue Reading<\/h2>\n

\u2192 Banks that open accounts without SSN<\/a><\/p>\n

\u2192 How to build credit from zero with ITIN<\/a><\/p>\n

\u2192 Personal loans for ITIN holders<\/a><\/p>\n

\u2192 How to check your credit score without SSN<\/a><\/p>\n

\u2192 7 mistakes that destroy your ITIN credit<\/a><\/p>","protected":false},"excerpt":{"rendered":"

\ud83c\udfc6 Best Credit Cards for ITIN Holders No SSN? No Problem. Build Credit Starting Today. These credit cards accept ITIN […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-138","page","type-page","status-publish","hentry"],"yoast_head":"\nBest Credit Cards for ITIN Holders - US.eLoanex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.us.eloanex.com\/es\/itin-credit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Credit Cards for ITIN Holders - US.eLoanex\" \/>\n<meta property=\"og:description\" content=\"\ud83c\udfc6 Best Credit Cards for ITIN Holders No SSN? 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