{"id":131,"date":"2026-05-15T14:49:49","date_gmt":"2026-05-15T18:49:49","guid":{"rendered":"https:\/\/www.us.eloanex.com\/best-credit-cards-for-itin-holders-2026-no-ssn-required\/"},"modified":"2026-05-15T14:49:49","modified_gmt":"2026-05-15T18:49:49","slug":"best-credit-cards-for-itin-holders-2026-no-ssn-required","status":"publish","type":"post","link":"https:\/\/www.us.eloanex.com\/es\/best-credit-cards-for-itin-holders-2026-no-ssn-required\/","title":{"rendered":"Best Credit Cards for ITIN Holders 2026: No SSN Required"},"content":{"rendered":"

Best Credit Cards for ITIN Holders in 2026 (No SSN Required)<\/h2>\n

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 \u2014 meaning every payment you make builds your credit score.<\/p>\n

Top Credit Cards That Accept ITIN<\/h2>\n
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\u2b50 #1 \u2014 OpenSky Secured Visa Card<\/h3>\n
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Annual Fee:<\/strong> $35<\/div>\n
Deposit:<\/strong> $200 – $3,000<\/div>\n
Credit Check:<\/strong> None<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> First-time credit builders. No credit check at all \u2014 approval is almost guaranteed with the deposit. Reports to Experian, Equifax, and TransUnion monthly.<\/p>\n

How to apply with ITIN:<\/strong> Apply online at OpenSky.com. Select “ITIN” when asked for identification type.<\/p>\n<\/div>\n

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\u2b50 #2 \u2014 Chime Credit Builder Visa<\/h3>\n
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Annual Fee:<\/strong> $0<\/div>\n
Deposit:<\/strong> No traditional deposit \u2014 use your Chime account balance<\/div>\n
Credit Check:<\/strong> None<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> 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.<\/p>\n

How to apply with ITIN:<\/strong> Open a Chime account first, then activate Credit Builder from the app.<\/p>\n<\/div>\n

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\u2b50 #3 \u2014 Bank of America Secured Credit Card<\/h3>\n
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Annual Fee:<\/strong> $0<\/div>\n
Deposit:<\/strong> $200 – $5,000<\/div>\n
Credit Check:<\/strong> Soft pull<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> 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.<\/p>\n

How to apply with ITIN:<\/strong> Visit a branch with your ITIN letter and passport. Apply in person for best results.<\/p>\n<\/div>\n

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\u2b50 #4 \u2014 Wells Fargo Secured Credit Card<\/h3>\n
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Annual Fee:<\/strong> $0<\/div>\n
Deposit:<\/strong> $300 – $10,000<\/div>\n
Credit Check:<\/strong> Yes (soft pull for pre-qualification)<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> Higher credit limits. Deposit up to $10,000 if you want a higher limit. Automatic review for upgrade after 12 months.<\/p>\n

How to apply with ITIN:<\/strong> Visit a Wells Fargo branch. Bring ITIN, passport, and proof of address.<\/p>\n<\/div>\n

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\u2b50 #5 \u2014 Self Visa Credit Card<\/h3>\n
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Annual Fee:<\/strong> $25<\/div>\n
Deposit:<\/strong> None \u2014 funded by your Self credit builder account<\/div>\n
Credit Check:<\/strong> None<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> 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.<\/p>\n

How to apply with ITIN:<\/strong> Sign up at Self.inc. ITIN accepted during application.<\/p>\n<\/div>\n

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\u2b50 #6 \u2014 Secured Mastercard from Capital One<\/h3>\n
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Annual Fee:<\/strong> $0<\/div>\n
Deposit:<\/strong> $49, $99, or $200<\/div>\n
Credit Check:<\/strong> Yes<\/div>\n
Reports to:<\/strong> All 3 bureaus<\/div>\n<\/div>\n

Best for:<\/strong> Low deposit requirement. You might qualify with only $49 deposit for a $200 credit line. Automatic upgrade consideration.<\/p>\n

How to apply with ITIN:<\/strong> Apply online. Some users report success with ITIN; branch application recommended if denied online.<\/p>\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>\nITIN Method<\/th>\n<\/tr>\n
OpenSky Secured<\/td>\n$35<\/td>\n$200<\/td>\nNone<\/td>\nOnline<\/td>\n<\/tr>\n
Chime Credit Builder<\/td>\n$0<\/td>\n$0<\/td>\nNone<\/td>\nApp<\/td>\n<\/tr>\n
BofA Secured<\/td>\n$0<\/td>\n$200<\/td>\nSoft<\/td>\nBranch<\/td>\n<\/tr>\n
Wells Fargo Secured<\/td>\n$0<\/td>\n$300<\/td>\nSoft<\/td>\nBranch<\/td>\n<\/tr>\n
Self Visa<\/td>\n$25<\/td>\n$0*<\/td>\nNone<\/td>\nOnline<\/td>\n<\/tr>\n
Capital One Secured<\/td>\n$0<\/td>\n$49<\/td>\nYes<\/td>\nOnline\/Branch<\/td>\n<\/tr>\n<\/table>\n

Our Recommendation<\/h2>\n

If you have no credit history at all:<\/strong> Start with OpenSky or Chime. Both require no credit check and approve ITIN holders consistently.<\/p>\n

If you already have a bank account:<\/strong> Apply for the secured card at your same bank. They already know you and approval rates are higher.<\/p>\n

If you want zero fees:<\/strong> Chime Credit Builder is the clear winner \u2014 $0 annual fee, $0 interest, $0 deposit.<\/p>\n

Tips for Getting Approved<\/h2>\n