Which Credit Card Issuers Accept an ITIN in 2026?
The ITIN acceptance table
Currently available
| Issuer | Relevant cards | Accepts ITIN? | No SSN/ITIN at all? | Notes |
|---|---|---|---|---|
| Petal (WebBank) | Petal 2 Visa | Yes | No | Requires SSN or ITIN + legal U.S. residency, income, age 18+, physical U.S. address. |
| OpenSky (Capital Bank N.A.) | OpenSky Secured Visa | Yes | No | Official disclosures: valid SSN or ITIN required; U.S. citizen or permanent resident. |
| Firstcard | Credit Builder Card | Yes | Conditional | Without SSN: passport + U.S. visa or ITIN + proof of U.S. address. Not document-free. |
| Chime (Stride Bank) | Chime Card (formerly Credit Builder) | Unverified | Unverified | Conflicting sources: 2026 guide says SSN required for federal banking compliance; weaker sites say SSN-or-TIN. No official ITIN confirmation found — do NOT list as ITIN-friendly. |
| American Express | Personal cards / Global Card Transfer | Yes | Conditional | Global Card Transfer asks SSN or ITIN; passport accepted per Bankrate. Nova Credit partnership appears ACTIVE as of Sept 2026 (no evidence it ended in 2025). |
| Capital One | All cards | Yes | No | All cards accept ITIN; apply online, by phone, or at a branch. |
| Bank of America | All cards | Yes | Conditional | ITIN works but must apply at a branch; passport accepted at branch instead of any TIN. |
| Wells Fargo | Secured cards | Conditional | No | Scope conflict: Bankrate limits ITIN to select secured cards; WalletHub lists plain 'SSN or ITIN'. |
| Citi | All cards | Yes | Conditional | SSN, ITIN, or passport accepted at branch. |
| U.S. Bank | Secured cards only | Conditional | No | ITIN accepted for select secured cards only. |
Discontinued or paused in 2026
| Issuer | Relevant cards | Status | Notes |
|---|---|---|---|
| TomoCredit | (none — card discontinued early 2026) | Discontinued | Stopped issuing cards early 2026 after defaulting on SVB credit facility; pivoted to subscription coaching; bureaus deleted tradelines. Do not recommend. |
| Discover | it Secured (new applications stopped June 2026) | Discontinued | Does not accept ITIN at all. it Secured stopped new applications June 2026 (post–Capital One acquisition); existing cardholders continue. |
| Deserve EDU | EDU Mastercard (new applications paused 2026) | Discontinued | HISTORICAL — new applications paused (2026), not currently obtainable. Historically: passport + U.S. bank account, no SSN/ITIN needed. |
How to read this table
- Yes — the issuer's application accepts an ITIN in the SSN field (or has a documented ITIN path).
- Conditional — accepted for some products or with extra documentation.
- No — SSN required; ITIN applications are declined.
Methodology
We check each issuer's application flow, help-center documentation, and customer-service confirmations. Every row carries a verification date and source. When a policy changes, we update the row and log it below.
Changelog
- Table created. Full verification sweep in progress; rows marked Unverified until confirmed.
Frequently asked questions
Can I get a credit card with an ITIN and no SSN?
Yes. Our 2026 verification confirms several major issuers accept an ITIN in place of an SSN: Capital One (all cards), Citi (all cards), Bank of America, American Express (Global Card Transfer), Petal 2 (via WebBank), and OpenSky Secured (via Capital Bank N.A.). Verification date: 2026-09-26.
Which banks accept ITIN applications, and do I need to visit a branch?
Capital One accepts an ITIN for all cards with no branch visit required — you can apply online, by phone, or in person. Bank of America requires a branch application when using an ITIN (a passport works instead of any TIN at the branch). Citi accepts an SSN, ITIN, or passport at a branch. U.S. Bank limits ITIN acceptance to select secured cards, and Wells Fargo's ITIN acceptance is conditional with conflicting sources.
Can I get a credit card with neither an SSN nor an ITIN?
Rarely. In our verified data, Firstcard is the one conditional path: without an SSN you can apply with a passport plus a U.S. visa, or an ITIN plus proof of a U.S. address — it is not document-free. The Deserve EDU card historically needed only a passport and a U.S. bank account with no SSN or ITIN, but new applications have been paused since 2026.
Does Discover accept an ITIN?
No. Discover does not accept an ITIN at all — an SSN is required. Its secured card also stopped new applications in June 2026, following the Capital One acquisition.
Does Chime accept an ITIN?
Unverified. Sources conflict: a 2026 guide states Chime requires an SSN for federal banking compliance, while weaker sites claim "SSN or TIN" acceptance. We found no official ITIN confirmation from Chime, so we do not list it as ITIN-friendly. Verification date: 2026-09-26.
Does having an ITIN guarantee credit card approval?
No. An ITIN only satisfies the tax-ID field on the application; underwriting still applies. Petal 2, for example, also requires legal U.S. residency, income, age 18+, and a physical U.S. address. OpenSky Secured requires a valid SSN or ITIN plus U.S. citizenship or permanent residency.