7 Credit Cards without SSN

Do I Need an ITIN or SSN for a Credit Card?

Credit card issuers generally want an SSN, ITIN or CPN for two main reasons:

1. Identity Verification.
   A SSN, ITIN or CPN serves as a unique identifier, helping the issuer confirm that you are who you claim to be. In addition to these numbers, card providers usually check other details like your current address and a government-issued ID (Check our facts page HERE  on how to convert your current photo ID to a CPN photo ID from the DMV with your CPN home address on it for verifications).

2. Credit Reporting.
   Because credit cards are a type of credit, issuers report your credit limits, balances, and payment history to the major credit bureaus. They use your SSN, ITIN or CPN to make sure those reports accurately link back to you.

Keep in mind that if you don’t have an SSN or ITIN you can also get access to bank accounts and credit cards with a credit privacy file (CPN).

Can I Get a Credit Card Without an ITIN?

Yes, to get a credit card without an SSN or ITIN, you can use a CPN file to get access to credit and banking services. Certain issuers, like American Express and Bank of America, sometimes accept a valid passport number as well. However, if you get a CPN (Credit privacy number), you’ll generally have a much easier time applying for a variety of credit cards. Having an CPN helps you build a U.S. credit history, which opens up a broader range of credit products, including:

• Credit cards
• Cash-back reward cards
• Secured credit cards designed to help new-to-credit applicants

Ask us for our current credit cards list.

What If I Don’t Have a U.S. Credit History?

With legalnewcreditfile.com people that need cross-border credit lets newcomers to the U.S. access banking and credit offers. For example, Here are 10 check system free banks: https://legalnewcreditfile.com/top-10-chexsystems-free-banks-for-cpn-holders-your-path-to-banking-freedom/

Do Credit Cards Build Credit History?

Yes! Credit cards can significantly impact your credit—both positively and negatively. Here’s why:

• Revolving Credit. Credit cards allow you to borrow repeatedly up to your credit limit, unlike installment loans (e.g., auto loans, mortgages) that close once fully repaid.
• Payment History. Making on-time payments can boost your credit score, while late payments or high balances can have the opposite effect.
• Credit Utilization. If you carry high balances, it can hurt your credit score. Keeping your usage low relative to your credit limit generally helps maintain a strong credit profile.

Read about other ways to build credit history through our business build-out package HERE

Bottom Line

While you can find limited credit card options if you only have a passport, most issuers still prefer an SSN or CPN. A CPN makes building your U.S. credit history simpler by offering more opportunities to open credit lines. For more details on how to apply for an CPN, visit our CPN Packages page HERE.

If you’re an international student, you might want to explore student credit cards or cards for those with little to no credit history. These are typically easier to qualify for and can help you establish a positive credit record over time.

Frequently Asked Questions

Does Discover accept CPNs for credit cards?
Yes, Discover currently accepts only SSNs and CPNs for credit card applications.

Can a non-U.S. citizen get a credit card?
Yes, non-U.S. citizens are eligible for credit cards in many cases, but you’ll need to verify your identity. An CPN often serves as an alternative to an SSN.

Can I open a bank account without an SSN?
Yes, certain banks—like SoFi or Chase—will accept a CPN if you don’t have an SSN. This provides a way to start establishing a financial footprint in the U.S.

Extra Tip:
For international students or newcomers, starting with a secured credit card is a great way to establish credit, as most secured cards will report to the major credit bureaus. Once you show consistent on-time payments and responsible use, you can typically upgrade to an unsecured card with better benefits.

Disclaimer: This content is for informational purposes only and may not encompass all scenarios or reflect the latest credit card policies. For the most accurate guidance, check each credit card issuer’s official website or consult a financial professional.