Many credit card applications will ask you for a Social Security Number (SSN). However, you don't necessarily need an SSN to complete an application or qualify for a credit card as a non-U.S. citizen. Some issuers are very clear about being able to apply without an SSN.
Why We Like It: The Capital One Platinum Credit Card is one of the best starter credit cards without an SSN requirement because applicants can use an ITIN instead of an SSN and get approved despite limited or no credit history. People with no SSN often have no credit score.
Credit card applications are open to U.S. residents — in other words, people with a mailing address in the U.S. who are over 18 and either have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
Wells Fargo - if you don't have an SSN or ITIN, you can provide evidence of nationality or residence by providing a government-issued ID instead³. Chase - will accept either SSN or ITIN, or a valid form of ID instead⁴. Bank of America - will accept an ITIN⁵.
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Key takeaways
Many Capital One credit cards require at least good credit to qualify, but the Capital One Platinum and Capital One QuicksilverOne have more lenient credit requirements. The Capital One Platinum has a $0 annual fee and typically only requires fair credit for approval.
A credit score of 700 or better is typically needed for a card that offers a $5,000 credit limit. This means that these cards usually require you to have good or excellent credit. You will normally need a high income and little to no existing debt to get a limit that high, too.
What credit card do millionaires use? Many millionaires use the American Express Centurion Card, J.P. Morgan Reserve Card, the Insignia Jewellery Card, and other high-end, invitation-only cards that provide extensive travel perks and personalised services.
Yes, you can get a Capital One credit card without a Social Security number (SSN), so long as you have an Individual Taxpayer Identification Number (ITIN). Like most major issuers, Capital One requires one of these types of identification to apply for a credit card.
Practicing good financial habits like paying bills on time and applying only for the credit you need can help you build credit. You can establish credit without opening a credit card account by doing things like becoming an authorized user or taking out a credit-builder loan.
Supplemental Security Income (SSI) Supplemental Nutrition Assistance Program (SNAP) Temporary Assistance for Needy Families (TANF) Emergency Medicaid (includes labor and delivery)
There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.
There is no published minimum, but anecdotal reports are that you may be able to be approved for a secured card with a credit score as low as 300. You will generally need a very good to excellent score, normally 740 or above, to be approved for Capital One's best credit cards.
All of Credit One's cards earn cash back, but Capital One's rewards offerings have greater earning potential. Capital One is generally more consumer friendly, with numerous no-annual-fee options and high customer satisfaction ratings.
Bank of Baroda Assure Credit Card: This is another credit card that individuals can avail without needing to submit any income proof. Provided by Bank of Baroda to individuals who are above the age of 18 years and has a fixed deposit account of minimum Rs.
We recommend the Chase Freedom Rise® as one of the easiest Chase cards to get approved for, thanks to its more lenient credit requirements. But if you already have good credit, consider applying for better rewards cards like the Chase Freedom Unlimited® and Chase Sapphire Preferred® Card.
Does a noncitizen need a Social Security number (SSN)? Unless you are a noncitizen who wants to work in the United States, you probably don't need an SSN. Generally, only noncitizens authorized to work in the United States by the Department of Homeland Security (DHS) can get an SSN.
Disclaimer: Chase Bank requires applicants to provide their Social Security number (SSN) during the application process. For Informational/Educational Purposes: The views expressed in this article may differ from other employees and departments of JPMorgan Chase & Co.