Finding the best credit card with ITIN number can be a game-changer for international users who lack a Social Security Number (SSN) but want to build credit, manage expenses, or enjoy perks like rewards and cashback.
Many financial institutions now offer credit cards tailored for individuals with an ITIN (Individual Taxpayer Identification Number), making it easier for non-U.S. residents to access the U.S. credit system.
This guide will explain how ITIN holders can access credit cards, highlight the best options, and explore the benefits of using credit cards for international users.
Best Credit Card with ITIN Number
What is an ITIN Number?
An ITIN number is a nine-digit tax processing number issued by the IRS to individuals who are not eligible for an SSN but are required to file taxes in the United States.
While ITINs are primarily for tax purposes, they can also be used to apply for financial services, including credit cards.
Key Benefits of ITIN Numbers:
- Enables access to U.S. banking and credit products.
- Allows non-residents to establish a credit history in the U.S.
- Facilitates compliance with U.S. tax obligations.
How Can ITIN Holders Get a Credit Card?
Before exploring the best credit card with ITIN number, it’s important to understand the process for applying:
a. Choose the Right Bank or Issuer:
- Many banks accept ITIN numbers for credit card applications, but requirements vary.
- Popular issuers include American Express, Capital One, and Discover.
b. Build a Relationship with the Bank: Open a checking or savings account with the bank to strengthen your application.
c. Prepare Required Documents:
- ITIN number.
- Passport or government-issued ID.
- Proof of income (pay stubs, tax returns, or bank statements).
d. Start with a Secured Credit Card: Secured cards require a deposit and are ideal for building credit as an ITIN holder.
Best Credit Cards with ITIN Number for International Users
Finding the best credit card with ITIN number can seem daunting, but it’s a key step for international users to establish credit in the U.S. and access financial benefits.
Here’s a detailed look at some of the top options available, tailored for ITIN holders looking to maximize rewards, build credit, and enjoy perks.
1. Discover it® Secured Credit Card

Perfect for First-Time Credit Builders: If you’re new to U.S. credit, the Discover it® Secured Credit Card offers an excellent starting point.
With no annual fee and generous cashback rewards, this card is ideal for those who want to build credit responsibly while earning valuable perks.
Why It’s Great:
- No annual fee, so you can focus on building credit without extra costs.
- Earn 2% cashback at gas stations and restaurants (on up to $1,000 in combined purchases each quarter).
- Unlimited 1% cashback on all other purchases.
- Free FICO® credit score monitoring to track your progress.
Requirements:
- Accepts applications with an ITIN number.
- Requires a refundable security deposit (minimum $200) to open the account.
Pro Tip: After 7 months of responsible use, Discover may upgrade your account to an unsecured credit card, returning your security deposit.
2. Capital One Platinum Credit Card

A Solid Choice for Establishing Credit: For ITIN holders with limited or average credit history, the Capital One Platinum Credit Card provides an affordable and reliable option.
It’s a straightforward card with no hidden fees and opportunities to grow your credit line.
Why It’s Great:
- No annual fee, making it accessible for budget-conscious users.
- Automatic reviews for credit line increases after 6 months of on-time payments.
- Easy-to-use mobile app for account management.
Requirements: Requires an ITIN and proof of income to verify eligibility.
Pro Tip: Pair this card with a secured account for faster credit building if your initial credit limit is low.
3. American Express Blue Cash Everyday® Card

Maximize Everyday Spending Rewards: For ITIN holders with an established credit history, the American Express Blue Cash Everyday® Card offers premium rewards on daily purchases.
With no annual fee and cashback perks, this card is ideal for those looking to earn while they spend.
Why It’s Great:
- No annual fee.
- Earn 3% cashback on groceries (up to $6,000 annually, then 1%).
- 2% cashback at gas stations and select department stores.
- Wide acceptance and exclusive benefits like purchase protection and extended warranties.
Requirements: Requires an ITIN and a strong credit history.
Pro Tip: Use this card for recurring expenses like groceries and gas to maximize your rewards without additional costs.
4. Citi® Secured Mastercard®

The Gateway to Credit Building for ITIN Holders: The Citi® Secured Mastercard® is designed specifically for those looking to establish or rebuild their credit.
With global acceptance and no frills, it’s a reliable option for starting your credit journey.
Why It’s Great:
- Accepted worldwide, making it a convenient choice for international users.
- Provides tools to help build a positive credit history with on-time payments.
Requirements: Requires an ITIN number and a refundable security deposit (minimum $200).
Pro Tip: Set up automatic payments to ensure consistent on-time payments, which can help improve your credit score faster.
5. Bank of America® Customized Cash Rewards Credit Card

Tailored Rewards for Maximum Flexibility: For ITIN holders who want a customizable rewards program, the Bank of America® Customized Cash Rewards Credit Card is an excellent choice.
It allows you to choose a spending category that suits your lifestyle.
Why It’s Great:
- Earn 3% cashback in a category of your choice (gas, dining, travel, etc.).
- 2% cashback at grocery stores and wholesale clubs.
- No annual fee, making it budget-friendly.
- Flexible rewards redemption options.
Requirements: Requires an ITIN and an established banking relationship with Bank of America.
Pro Tip: Combine this card with a Bank of America checking account to qualify for additional cashback bonuses through their Preferred Rewards program.
How to Choose the Best Credit Card with ITIN Number
With so many options available, here are some key factors to consider when selecting the right card for your needs:
- Purpose:
- Are you building credit, maximizing rewards, or both?
- Fees:
- Look for cards with no annual fees or low-interest rates.
- Rewards:
- Choose cards offering cashback or points in categories where you spend the most (e.g., groceries, gas, or travel).
- Requirements:
- Ensure you meet the eligibility criteria, such as having an ITIN or a sufficient credit history.
Finding the best credit card with ITIN number is essential for international users who want to build credit, enjoy rewards, and access U.S. financial benefits.
From secured cards like the Discover it® Secured Credit Card to flexible options like the Bank of America® Customized Cash Rewards Credit Card, there’s something for everyone.
By choosing the right card and using it responsibly, ITIN holders can establish a strong credit history and unlock a world of financial opportunities in the U.S.
Explore the options in this guide, and take the first step toward better financial management today!
Benefits of Using the Best Credit Card with ITIN Number
For individuals with an ITIN number, having the right credit card can unlock significant financial advantages.
From building a strong U.S. credit history to enjoying rewards on everyday spending, the best credit card with ITIN number offers a range of benefits tailored to meet the unique needs of non-residents.
Understanding these perks can help you make the most of your financial opportunities while establishing a solid foundation in the U.S. credit system.
- Building U.S. Credit History: Using and paying off your credit card responsibly helps establish a credit score, which is vital for future financial opportunities like loans or mortgages.
- Convenient International Transactions: Many cards offer no foreign transaction fees, making them ideal for international spending.
- Rewards and Perks: Access cashback, travel rewards, and other benefits that enhance the value of your spending.
- Secure Payment Option: Credit cards provide fraud protection and better security for online and in-store purchases.
Example: A non-resident ITIN holder traveling to the U.S. can use a no-foreign-transaction-fee card for hotel bookings and car rentals without worrying about extra costs.
Tips for ITIN Holders Applying for Credit Cards
Applying for a credit card as an ITIN holder can be a strategic step toward building credit and accessing financial benefits in the U.S. However, navigating the application process requires careful preparation and knowledge of key factors.
To ensure success, these practical tips will guide you in selecting the right card, meeting eligibility requirements, and maximizing the benefits of your best credit card with ITIN number.
- Start Small: If you’re new to credit, begin with a secured card or entry-level card to build your credit history.
- Monitor Your Credit: Regularly check your credit report through services like Experian or TransUnion to track your progress.
- Use Credit Responsibly: Pay your balance in full each month to avoid interest and improve your credit score.
- Consider Additional Features: Look for cards with benefits like travel insurance, extended warranties, or purchase protection.
Conclusion
For international users, finding the best credit card with ITIN number is a crucial step toward accessing the U.S. financial system, building credit, and enjoying the convenience of modern banking.
By choosing the right credit card and using it responsibly, ITIN holders can unlock financial opportunities and establish a strong foundation for their future.
Explore the options listed in this guide, and start your journey toward better financial management with the right credit card today!