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 a foreign passport) per their own current documentation. Acceptance is about the application — approval still depends on each issuer's normal criteria.

• Capital One — Platinum Secured, QuicksilverOne

  The most accessible mainstream option. Its own ITIN explainer (updated April 2026) names its cards as ITIN-eligible. An ITIN does not mean automatic approval — normal eligibility criteria still apply.

• 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 — US consumer cards (Easy Apply)

  TD’s live application tells applicants to have an “SSN or ITIN” and format-validates ITINs; verified on TD Cash and TD Cash Secured. TD publishes no separate ITIN policy page — the application itself is the source (open any td.com card page and click Apply to reproduce).

• 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

  Stronger than “SSN or ITIN” — no US taxpayer ID needed at all: its own FAQ answers “Is SSN mandatory? Short answer — No.” Reports to all three US bureaus (Experian, Equifax, TransUnion); verify current eligibility before applying.

• Latino Community Credit Union — Membership + secured card

  Membership requirements name a “Valid Social Security Number or ITIN”, with ID accepted from any country (foreign passport or consular ID works). The secured Visa is live in its rate table. US residence required; NC-based branch network.

• Self-Help Credit Union — Membership + secured card

  Its membership application form asks for the “social security number or ITIN of the primary account owner”. Two frictions found 2026-08-30: the apply-online membership link 404s (working path: print/branch/mail), and card applications are branch-only (FL/GA/NC/VA footprint).

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’s only ITIN content is issuer-agnostic (“some credit card companies... may require an ITIN”) and never says Discover itself accepts one; its old requirements page, which stated an SSN requirement, now 404s. Widely listed as ITIN-friendly elsewhere — ask Discover directly.

• 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 docs require a Social Security Number (US citizen / permanent resident, or H1, L1 or student visa with an SSN). Note for checkers: the support site is JS-rendered — load it in a real browser.

• 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

  The trap got worse: its homepage still markets the card and takes signups without disclosing the discontinuation. 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