Credit Cards That Accept an ITIN (No SSN Required) — Verified August 2026

The twelve issuers with a verified ITIN path

These accept an ITIN application (or, at Zolve, a no-SSN application for people “new to the U.S.”, as its help center says) per their own documentation, as of our August 30, 2026 check (Capital One, TD Bank, Zolve and Latino Community Credit Union: re-checked October 14, 2026; Self-Help Credit Union: re-checked October 11, 2026). Acceptance is about the application — approval still depends on each issuer's own criteria. Read “Before you apply” below.

• Capital One — Platinum Secured, Quicksilver Secured (seven cards on its ITIN page)

  Its ITIN page (April 30, 2026; read October 14, 2026) lists seven cards “you may be able to get with an ITIN”, the two secured cards with the deposits above among them, and says “Card issuers decide which of their credit cards are available for ITIN applicants.” Taking an application is not approval.

• Chase — Freedom Rise

  The Freedom Rise page lists “Social Security Number (SSN) and/or Individual Taxpayer Identification Number (ITIN)” among application requirements. Chase may request identity documents after applying, and its published list names a Social Security card — call Chase before applying with an ITIN only.

• American Express — US consumer cards (shared application)

  The application’s SSN field help text reads: “If you do not have an SSN, you can enter your ITIN.” Amex’s separate help-center FAQ omits ITIN — the live application controls. A US credit file is still effectively required for approval.

• Bank of America — Consumer cards (shared application)

  BofA’s own online application stops ITIN holders with “If you have an ITIN, visit a financial center to continue” — the branch is the official path. The same flow accepts an ITIN online for authorized users. No prose policy page exists; this validation message is the operative language.

• Citi — Consumer cards (shared application)

  The live application’s identity field is labeled “Social Security Number or ITIN (9-digit number required)”, and Citi’s secured-card page lists “name, address and SSN or ITIN”. Citi’s own how-to-apply article mentions only an SSN — the live form controls.

• Wells Fargo — Consumer + retail cards (shared application)

  The retail-card application asks for a “Social Security Number or Individual Taxpayer Identification Number”; the branded-card flow labels the same field “SSN/ITIN” and validates ITINs. Wells Fargo’s new-to-US page: an “SSN or ITIN is required to... apply for credit.”

• TD Bank — TD Cash Secured (online application)

  Its TD Cash Secured application (Apply now on the card page) says “Have your Social Security number (SSN) or ITIN available”, and the card page says security deposits are “a minimum of $300 and can be as much as $5,000”, held in a TD Simple Savings account (both read October 14, 2026). The application link our August 30, 2026 check cited now says the offer is no longer available.

• Barclays US — Co-brand cards (shared application)

  The shared application’s identity field is literally labeled “Social security number or ITIN”, and its help dialog states “Only valid U.S. Social Security Numbers or ITIN will be accepted.” Applies to its co-brand cards (AARP, airlines, retailers) — open a product page and click Apply Now to reproduce.

• Synchrony — Store / co-brand cards (eApply)

  Synchrony’s application platform uses a combined “SSN/ITIN” field — verified live on Synchrony Premier, Car Care and HOME. It issues many store cards (Amazon, Lowe’s, CareCredit), a common first-card route; partner-hosted flows share the same platform.

• Zolve — Classic

  Its card page says “No SSN needed”; its help center says the no-SSN application is for people “new to the U.S.”, that Zolve reports card payments to all three major US credit bureaus (Experian, Equifax, TransUnion), and that “Not all applicants will qualify” (both read October 14, 2026).

• Latino Community Credit Union — Membership + secured card

  Membership: a “Valid Social Security Number or ITIN”, a photo ID from any country and a one-time $8 fee to join the Latino Community Development Center. Its rate table lists a VISA Secured card; its credit-card page asks for “Proof of income and at least one year of credit history” and North Carolina residence (all read October 14, 2026).

• Self-Help Credit Union — Membership + secured card

  Its account agreement (rev. July 1, 2025) says that to open an account it requires current government-issued photo ID and, for interest-bearing accounts, a “Social Security Number (SSN), Individual Taxpayer Identification Number, or Employer Identification Number (EIN)”; its Mastercard application asks for a “Social Security Number/Individual Tax ID Number” (both read October 11, 2026). You join at a branch first; its membership page (read October 11, 2026) says that if you have a branch nearby, you are most likely eligible. Members apply for a card, including its share-secured card (backed by your savings), in online banking or the app. The membership-application PDF behind our August 30, 2026 check is no longer available.

Recommended everywhere — but check the fine print

These show up on most "no SSN" lists. Our verification found a different picture:

• U.S. Bank · Unconfirmed — ask the issuer

  Its help center confirms ITIN-only customers can HOLD secured accounts (“If you have an ITIN, you can continue to have a secured account”) but upgrading requires an SSN (“We can only upgrade your secured credit card if you have an SSN”), and its application guide lists only an SSN. Aggregators claim a phone/branch secured path — not verified on usbank.com. Ask U.S. Bank directly.

• Discover (a division of Capital One) · Unconfirmed — ask the issuer

  Discover it Secured’s application terms (issued by Capital One; read October 14, 2026) list among the reasons an applicant isn’t eligible: “do not have a valid Social Security Number or Individual Taxpayer Identification Number.” Capital One’s ITIN page (April 30, 2026) lists no Discover card. Ask Capital One before you apply with an ITIN.

• HSBC US · Requires an SSN

  Now readable on HSBC’s own domain: “To apply online you must... Have a Social Security Number”, and card applicants “will need... Social Security Number”. No-SSN applicants are told to call — no documented ITIN card path. Upgraded from “unconfirmed” on 2026-08-30.

• Self (Self Financial) · Requires an SSN

  Often recommended to ITIN holders, but its own support page (May 21, 2024; read October 14, 2026) says “A valid bank account and Social Security Number are required.”

• Chime · Requires an SSN

  Requires an SSN — and the closure is now confirmed on Chime’s own help center: Credit Builder is labeled a “Legacy product” that is “no longer available to new members”. It still appears on many “no SSN” lists.

• TomoCredit · Not a card path

  Its homepage still markets the card and takes signups without disclosing the discontinuation (checked August 30, 2026). The bureaus cut off its reporting in 2024, so it cannot build US credit history today — the discontinuation is documented by third parties, not the site itself.

• Nova Credit · Not a card path

  Self-describes as “a credit infrastructure and analytics company that enables businesses” — it translates foreign credit history for lenders that read it (Chase is the main US card issuer using it). The American Express partnership ended in 2025, corroborated by Amex’s own former newcomers page.

• MPOWER Financing · Not a card path

  Frequently listed next to ITIN cards, but it offers student loans — not a credit card. Its own page notes borrowers “Build U.S. credit history through on-time payments”, so it IS a credit-building path for enrolled international students — just not a card.

Frequently asked questions