Can You Get a Credit Card With an ITIN Number?

An Individual Taxpayer Identification Number (ITIN) is a nine-digit tax processing number issued by the Internal Revenue Service (IRS) to individuals who are required to have a U.S. taxpayer identification number but do not have, and are not eligible to obtain, a Social Security Number (SSN). This often includes non-resident aliens, resident aliens, and their dependents who need to file U.S. tax returns. The ITIN allows these individuals to comply with U.S. tax laws and participate in the U.S. financial system. Establishing financial standing in the U.S. can be challenging without an SSN, making the question of credit card access for ITIN holders a common inquiry for many.

Credit Card Eligibility with an ITIN

It is possible to obtain a credit card using an Individual Taxpayer Identification Number instead of a Social Security Number. Many financial institutions and credit card issuers recognize an ITIN as a valid identifier for credit card applications. While an ITIN is primarily a tax processing number, some lenders accept it in lieu of an SSN for identity verification purposes during the application process.

Financial institutions assess several factors when evaluating credit card applications, regardless of whether an SSN or ITIN is provided. Applicants need to be of legal age, which is 18 years old, and demonstrate a consistent source of income. This income helps assure the lender of the applicant’s ability to make payments.

For individuals who are new to U.S. credit or have a limited credit history, certain types of credit products may be more accessible. Secured credit cards are a common option, as they require a cash deposit that serves as collateral, often equaling the credit limit. This reduces the risk for lenders and can help ITIN holders begin building a credit history. Some lenders also offer credit-builder loans or student credit cards that can lead to broader credit opportunities.

Preparing Your Application

Before initiating a credit card application, gathering documentation streamlines the process. Applicants will need to present proof of personal identification, which includes a valid, government-issued identification document. This could be a foreign passport or a national ID card, serving to verify your identity.

Your Individual Taxpayer Identification Number (ITIN) documentation is also required. This ensures that the financial institution has the correct tax identification number to process your application. Proof of address is another item, shown through recent utility bills, a current lease agreement, or bank statements that clearly display your name and residential address.

Income verification helps lenders assess your ability to repay borrowed funds. This can be substantiated with recent pay stubs, tax returns such as Form 1040 or Form 1040-NR, or bank statements showing regular deposits. Lenders look for a stable income source to demonstrate financial capacity. Be prepared to provide contact information (phone number and email address), employment details, and housing status, as these are standard fields on credit card application forms.

Submitting Your Credit Card Application

Once documents are gathered, submit the credit card application. Several methods are available: online, by mail, or in person at a bank branch. Online applications often involve completing digital forms, reviewing data for accuracy, providing a digital signature, and submitting.

For physical applications, ensure all forms are completed and documents attached. Mailing applications go to a specific processing center. In-person applications involve a bank representative. After submission, applicants can expect a confirmation of receipt, which may be immediate for online applications or sent via mail for physical submissions.

Processing timelines vary, though many online applications may receive an instant decision within minutes. However, some applications, particularly those requiring additional review or for individuals new to U.S. credit, may take longer, between five to ten business days for a decision. In some cases, the lender might request additional documentation or a phone interview to verify information. The final notification of the application decision—approval, denial, or a request for more information—is then communicated, often via email or postal mail.