Before You Start
First things first: never enter a Social Security Number (SSN) if you don’t have one when applying for a credit card. Using someone else’s SSN is a serious federal crime and can result in prison time. No joke!
It’s important to understand that not having an SSN doesn’t mean you don’t have a credit history. Some credit cards allow applications without an SSN, but that doesn’t mean they’ll ignore your credit profile.
Be careful—applying for a card without an SSN and getting rejected will still result in a hard inquiry on your credit report, which can negatively affect your score. So, avoid applying randomly.
Major Banks
Bank of America (BoA)
BoA allows you to apply for a credit card without an SSN, but you’ll need to visit a branch in person. Popular card options include:
BoA Customized Cash Rewards
BoA Unlimited Cash Rewards
BoA Travel Rewards
BoA Premium Rewards
The BoA Customized Cash Rewards card is usually the easiest to get, even without a credit history. It’s a good idea to apply for a BoA debit card at the same time and open a checking account. For those under 25, BoA waives monthly fees on checking accounts. Plus, if you spend $1,000 within the first 90 days of opening your credit card, you can earn a $200 cashback bonus. Many international students start with BoA, and combining the debit and credit card applications can simplify the process.
American Express (AmEx)
AmEx typically doesn’t approve applicants without a credit history, so it’s best to wait until you’ve built some credit before applying for one of their cards. However, once you have a few months of credit history, most AmEx cards become accessible, and you don’t need an SSN to apply.
You can also apply over the phone by calling +1 (800) 223-2670. The downside of phone applications is that you’ll have to spell out your name and address, and you might miss out on online application bonuses.
Citi
Citi allows applications without an SSN. You can apply in person at a branch or over the phone—just let the banker know that you don’t have an SSN and provide the required documents.
Deserve
Deserve offers the Deserve Edu card, which is specifically designed for international students. No SSN or credit history is needed, making it an excellent option if you’re an international student who hasn't yet obtained an SSN.
Banks That Don’t Support Applications Without SSN
Most major banks, including Barclays, Capital One, Chase, Discover, Synchrony, US Bank, and Wells Fargo, do not allow credit card applications without an SSN.
Smaller Banks
There are many smaller banks across the U.S. that may allow you to apply for certain credit cards without an SSN. However, the high-reward cards are generally offered by larger banks. To get the most out of your credit card, it’s better to stick to the recommended options listed above rather than applying at smaller banks with fewer perks.
The ITIN Route
Once you have an Individual Taxpayer Identification Number (ITIN), you can apply for credit cards at most banks as if you had an SSN. ITINs are usually for people on non-work visas (like B1, B2, or F2) who aren’t eligible for an SSN. However, if you’re on an F1 visa, you can get an SSN by securing any on-campus job, even if it’s just for a few hours a week.
Conclusion
Getting your first credit card without an SSN or credit history can be tricky, but here are your best options:
BoA Cash Rewards: Apply in person, ideally with at least $10,000 deposited in your BoA account. While results vary, this method works for many.
Deserve Edu: Specifically designed for international students, this is one of the easiest cards to apply for online.
Authorized User: Ask a friend to add you as an authorized user on their credit card to help you build credit. Just note that not all banks allow authorized users without an SSN.
Secured Credit Cards: These cards require a deposit upfront and usually come with annual fees. Only opt for this if none of the other options work for you.
Evaluate which option suits your situation best and begin building your credit. While applying for credit cards without an SSN is possible, the process can be more complicated and time-consuming. You might need to make a few phone calls or visit bank branches, and dealing with unhelpful bankers or customer service reps can be frustrating. That’s why securing an SSN through on-campus jobs is a smart move—it will open more doors for you in the long run. And once you get your SSN, don’t forget to update your credit card issuers with it!
Good luck, and happy credit card hunting!