How to apply for a credit card using an ITIN number

When you apply for a credit card in the U.S., you might have to provide your Social Security number (SSN) as proof of identity. But if you’re a new immigrant or a foreign student, you might not have an SSN.

That’s where an Individual Taxpayer Identification Number (ITIN) can help. Learn more about ITINs, how to use them to apply for a credit card and which types of cards you may be able to get with them.

What you’ll learn:

• The IRS issues ITINs to certain noncitizens who need to comply with U.S. tax laws but aren’t eligible for SSNs.

• You might be able to use an ITIN in place of an SSN for some banking and credit applications.

• If an issuer accepts ITINs, the credit card application may be the same as it is with an SSN.

• If you have an ITIN and are building credit, you might want to look into secured credit cards, cards for fair and building credit or even student credit cards.

ITINs are nine-digit numbers issued by the IRS to people who don’t qualify for SSNs. ITINs are sometimes referred to as ITIN numbers. 

ITINs are mainly used for filing federal tax returns. But some lenders may allow an ITIN in place of an SSN for things like applying for a credit card as a new immigrant or opening a checking or savings account.

While similar in function, ITINs and SSNs have some key differences. The Social Security Administration (SSA) issues SSNs, and the IRS issues ITINs. SSNs don’t expire or need to be renewed, but ITINs can expire if they’re not used on a federal tax return at least once every three years.

The IRS provides information detailing what’s needed to apply for or renew an ITIN. You’ll need to fill out IRS Form W-7 and include proof of identity and foreign status documents, along with a copy of the U.S. tax return you intend to file.

Some credit card issuers let you use an ITIN instead of an SSN when applying for a credit card. Some issuers may only accept ITINs for certain cards. And even if you can use an ITIN for your credit card application, you may still need to provide other documentation, such as proof of income and U.S. residence.

Generally, you apply for a credit card using an ITIN in the same way you would with an SSN: online, in person, over the phone or by mail. For more details, you can check out this guide on how to apply for a credit card. But here’s an overview of the steps you might take:

1. Compare cards from the issuer to see which might best suit your needs.

2. Find out whether you’re pre-approved before accepting an offer. It can give you an idea of whether you’ll be approved, and it won’t hurt your credit scores.

3. Fill out and submit your application.

If you’re applying online, you could get a near-instant answer to your application. And if you’re approved, some lenders may give you a virtual card number to start using right away.

Card issuers decide which of their credit cards are eligible for ITIN applicants. If you’re new to credit in the U.S., you might start by exploring these options:

• Secured credit cards: Because they require a refundable deposit and typically have lower credit limits than unsecured cards, secured credit cards can be easier to qualify for.

• Cards for building credit: If you’ve already established fair credit scores and are looking to improve them, you may also qualify for unsecured credit cards designed with that goal in mind.

• Student credit cards: If you’re an international student without an SSN, you may be able to apply for a student credit card using your ITIN.

ITINs enable people without an SSN to comply with tax rules in the U.S. In some situations, they can also be used for banking and credit applications.

If you’re new to credit or searching for your next credit card, Capital One can help: 

• See if you’re pre-approved for credit cards without harming your credit scores. 

• If you’re looking to build your credit with responsible use, explore cards for people with fair credit. 

• Earn unlimited 1.5% cash back on every purchase, every day, with a cash back rewards card. 

• Monitor your credit report and score with CreditWise from Capital One. It’s free for everyone, and using it won’t hurt your credit.