{"id":157,"date":"2026-05-15T15:30:05","date_gmt":"2026-05-15T19:30:05","guid":{"rendered":"https:\/\/www.us.eloanex.com\/how-to-apply-for-bank-of-america-secured-card-with-itin\/"},"modified":"2026-05-15T15:30:05","modified_gmt":"2026-05-15T19:30:05","slug":"how-to-apply-for-bank-of-america-secured-card-with-itin","status":"publish","type":"post","link":"https:\/\/www.us.eloanex.com\/es\/how-to-apply-for-bank-of-america-secured-card-with-itin\/","title":{"rendered":"How to Apply for Bank of America Secured Card With ITIN"},"content":{"rendered":"<h2>How to Get the Bank of America Secured Card Using Your ITIN<\/h2>\n<p>Bank of America offers a $0 annual fee secured card that upgrades to unsecured after 12 months. They accept ITIN holders in-branch. Here is exactly how to apply.<\/p>\n<h2>What You Need to Bring to the Branch<\/h2>\n<ul>\n<li><strong>ITIN letter<\/strong> (CP565 notice from the IRS)<\/li>\n<li><strong>Valid passport<\/strong> (not expired)<\/li>\n<li><strong>Secondary ID:<\/strong> state driver&#8217;s license, Matr\u00edcula Consular, or foreign national ID<\/li>\n<li><strong>Proof of US address:<\/strong> utility bill, lease, or bank statement<\/li>\n<li><strong>Deposit:<\/strong> $200 &#8211; $5,000 (cash, check, or from existing BofA account)<\/li>\n<\/ul>\n<h2>Step-by-Step Application Process<\/h2>\n<h3>Step 1: Find a Branch<\/h3>\n<p>Use BankOfAmerica.com to find the nearest branch. Walk-ins are accepted but scheduling an appointment is recommended.<\/p>\n<h3>Step 2: Tell the Banker You Want a Secured Card<\/h3>\n<p>Say: &#8220;I would like to apply for a secured credit card. I have an ITIN instead of an SSN.&#8221; Bank of America bankers are trained on ITIN applications.<\/p>\n<h3>Step 3: Provide Your Documents<\/h3>\n<p>Hand over your ITIN letter, passport, secondary ID, and proof of address. The banker will verify everything in the system.<\/p>\n<h3>Step 4: Choose Your Deposit Amount<\/h3>\n<p>Your deposit becomes your credit limit. Minimum is $200, maximum $5,000. If you already have a BofA checking account, the deposit can come from there.<\/p>\n<h3>Step 5: Get Approved<\/h3>\n<p>Approval usually happens same day or within 1-2 business days. Your card arrives by mail in 7-10 days.<\/p>\n<h2>Key Facts<\/h2>\n<table>\n<tr>\n<th>Feature<\/th>\n<th>Details<\/th>\n<\/tr>\n<tr>\n<td>Annual Fee<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr>\n<td>Deposit Range<\/td>\n<td>$200 &#8211; $5,000<\/td>\n<\/tr>\n<tr>\n<td>Credit Check<\/td>\n<td>Soft pull (no impact on score)<\/td>\n<\/tr>\n<tr>\n<td>Reports To<\/td>\n<td>All 3 bureaus<\/td>\n<\/tr>\n<tr>\n<td>ITIN Method<\/td>\n<td>In-branch only<\/td>\n<\/tr>\n<tr>\n<td>Upgrade to Unsecured<\/td>\n<td>After 12 months of good use<\/td>\n<\/tr>\n<tr>\n<td>Deposit Refund<\/td>\n<td>Yes, when you upgrade or close<\/td>\n<\/tr>\n<\/table>\n<h2>Pro Tip: Open Checking First<\/h2>\n<p>If you don&#8217;t already have a BofA checking account, open one at the same visit. Having a checking account with the same bank:<\/p>\n<ul>\n<li>Makes the credit card application easier<\/li>\n<li>Shows banking relationship history<\/li>\n<li>Makes deposit transfer instant<\/li>\n<li>Helps with future unsecured card approval<\/li>\n<\/ul>\n<h2>After 12 Months: The Upgrade<\/h2>\n<p>After 12 months of on-time payments, Bank of America will automatically review your account for upgrade to an unsecured card. If approved:<\/p>\n<ul>\n<li>Your deposit is fully refunded<\/li>\n<li>Your credit limit may increase<\/li>\n<li>You keep the same account (credit history preserved)<\/li>\n<\/ul>\n<p><a href=\"\/es\/itin-credit-cards\/\">\u2192 Compare all ITIN credit cards<\/a><\/p>\n<p><a href=\"\/es\/banks-no-ssn\/\">\u2192 All banks that accept ITIN<\/a><\/p>\n<p><a href=\"\/es\/how-to-build-credit-from-zero-with-an-itin-complete-2026-guide\/\">\u2192 Full credit building guide<\/a><\/p>\n<div style=\"background:#f8f9fa;border:1px solid #e9ecef;border-radius:10px;padding:20px;margin-top:40px\">\n<h3 style=\"margin-top:0\">\ud83d\udccc Ready to Apply?<\/h3>\n<p>Visit your nearest <a href=\"https:\/\/www.bankofamerica.com\" target=\"_blank\" rel=\"nofollow\"><strong>Bank of America<\/strong><\/a> branch with your ITIN letter and passport.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>How to Get the Bank of America Secured Card Using Your ITIN Bank of America offers a $0 annual fee [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","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":"","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":""},"categories":[17],"tags":[],"class_list":["post-157","post","type-post","status-publish","format-standard","hentry","category-itin-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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