We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Written by
Steve Bucci
Steve Bucci has been helping people decode and master personal finance issues for more than 20 years. He is the author of “Credit Management Kit For Dummies,” “Credit Repair Kit For Dummies,” “Barnes and Noble Debt Management,” co-author of “Managing Your Money All-In-One For Dummies” and “Debt Repair Kit For Dummies” (Australia). Steve is an experienced expert witness in identity theft, credit scoring, and debt-related cases. He has been a presenter at the FICO InterACT Global Conference, the Federal Reserve and the International Credit Symposium at Cambridge University in the UK.
Edited by
Liliana Hall
Liliana is an editor and journalist with a background in feature writing on the Bankrate Credit Cards team.
Bankrate logoAt Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Bankrate logoAt Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate logoBankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
Bankrate logoYou have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
This piece was last updated on July 31, 2023 to reflect current credit card details.
When applying for a credit card (or any credit, for that matter), the odds that you will run into a box for your Social Security number are quite high. But what if you don’t have one? Can you still apply? More importantly, will you be accepted? Read on to find out more.
While it may be hard to believe, there was once a time in the not-so-distant past when Social Security numbers were necessary only when a person was ready to go to work for the first time at a place that would be taking taxes out of their paycheck.
It wasn’t until August 1987 that the Social Security Administration began a three-state pilot program that allowed parents to request a Social Security number for their newborns. The so-called “Enumeration at Birth Process” (EAB) was so popular that today about 90 percent of parents in the U.S. take advantage of it when they have a child.
But not everyone has a Social Security number. This is especially true for those new to the U.S. The good news is, there are other ways to successfully apply — and be accepted — for a credit card without having a Social Security number.
While you may not need an SSN to access credit, with only one or two exceptions, however, you will need a credit file at a credit bureau. Fortunately, though, the bureaus don’t require an SSN to set up, report or score your credit history.
According to the IRS, the individual tax identification number (ITIN) is a “tax processing number” for people who do not have and are not eligible for a Social Security number.
Unlike Social Security numbers, these numbers generally must be periodically renewed. The IRS says on its website that these numbers serve no purpose other than federal tax reporting.
However, you may be able to use an ITIN when applying for a credit card because it can serve as an identifier to the credit card issuer (along with your other information). You may also be able to use your passport number in some instances.
Each issuer has its own requirements but, both American Express and Bank of America will accept applications from those with either ITINs or passport information.
Capital One and Wells Fargo will accept those with ITINs and Chase allows applicants to use their ITIN in place of a Social Security number. Discover, Citi and Credit One Bank require a Social Security number in order to apply for one of their cards.
International students may be able to take advantage of cards targeted specifically for them, which do not require Social Security numbers. These cards — and others that are not necessarily only for students — use alternative (or nontraditional) underwriting methods. Many of these types of cards don’t require an SSN or an ITIN, but can use passport information.
Most will, however, require you to have a bank account that you can link to your card. Depending on the issuer, these may or may not be considered secured cards.
It is important to note that Social Security numbers are not the only way you can be identified by the three credit bureaus — Experian, TransUnion and Equifax. As I point out in my book, “Credit Repair Kit for Dummies, 5th Edition,” you will be identified by the credit bureaus in the following order: your name, birthdate, address and finally your Social Security number.
If there is no Social Security number, there are other matching points to draw from, like name variations and previous addresses, which can all be used to identify you for your credit report.
Secured credit cards are excellent vehicles for building credit for those with little to no credit history. Secured cards differ from unsecured cards in that you secure a line of credit by paying a deposit, usually equal to your credit limit, to guarantee your payments. Secured card activity is reported just as any other credit card and affects your credit score in the same way, so it’s a great way to build credit. But you need to be very sure that the card you choose will be reported to the credit reporting agencies or it won’t help you build your credit file or credit score.
Passbook loans work in much the same way. You “borrow” the money you deposit at a bank or credit union and then pay it back (to yourself) in installments. An extra bonus to a passbook loan is that it counts as an installment loan on your credit report and gets you extra points on your FICO score under the credit mix category. Again, make sure the financial institution will report to the credit bureaus.
You can become an authorized user on a family member’s or friend’s existing credit card. The card’s credit history is reported in both the owner’s and authorized user’s credit files. The account owner doesn’t have to give you a credit card to use if they don’t want to — its history will still be reported on your credit file, giving you some extra points.
Products like Experian Boost and FICO XD or UltraFICO can help you build credit by drawing on information from your bank account, utility payments, cellphone payments and other obligations. While these programs may not benefit your score at all credit bureaus, they can still be worthwhile.
It is also important to remember that credit card issuers don’t approve or reject applications based on your Social Security number. They do so based on your credit file and you don’t need a Social Security number to start building your credit report.
It’s a myth that you need a Social Security number, driver’s license, voter registration card or even a library card to establish a credit file at the credit bureaus. But you do need to be sure to pay your bills — all of them — on time, each and every time.
Credit reporting and, thereby, credit cards and other forms of lending can be available to you through other avenues besides a Social Security number. And it is through credit reporting, which shows how you handle your money and your obligations, that will ultimately determine your ability to score a credit card.
