If you're a recent immigrant to the United States, an international student, or another noncitizen and you are searching for credit cards without Social Security number (SSN) requirements. So, good news is Credit Builder Cards do exist to fulfill your purpose, despite not being widely popular among the general public.
With these cards you can easily build credit without SSN. Credit Builder cards enable you to spend with ease, collect rewards, establish credit, safeguard against fraud, and take advantage of several other benefits. If you don't have a SSN, then there is a way to opt for a credit builder card without putting a deposit. Let's explore the best credit cards without SSN that help you build credit and will undoubtedly simplify your financial life.
Is it Difficult To Build Credit Without SSN?
Yes, it's quite difficult to get a US credit card without SSN, as it is one of the major requirements from credit companies to fill your SSN number so that they can check applicant history. It is very likely that you have no credit history or a very short one if you don't have a Social Security number.
Thankfully, a few issuers still approve you despite your poor credit history and lack of an SSN. You can quickly and easily apply for credit cards that don't require SSN online using your Individual Taxpayer Identification Number (ITIN) or through your passport and basic details.
Can I Build Credit With a Credit Builder Card Without SSN?
A credit builder card is a type of credit card that can help you build credit without a Social Security Number (SSN). If you are an international student or tourist and you need to build a credit history in the US, then you can opt for credit builder cards with no SSN. It is a new way to build your credit history in the US via credit cards without SSN. In fact, you don't need SSN to get approved for a credit builder card.
To get a credit builder card, you will likely need to provide some personal information, including your name, address, and date of birth. You may also be required to provide a Social Security Number. However, there are some credit builder cards available that do not require an SSN.
How Does Credit Builder Card Help in Building Credit Without SSN?
Credit Builder cards without SSN are similar to regular credit cards with some differences. The way it works is that you make deposits into the card account, which the issuer uses to secure the credit line on the card. You then use the credit builder card like a regular credit card, making payments on time each month. The activity is reported to the credit bureaus, helping you build a positive credit history. For example, if you deposit $200 to open your credit builder card, then your credit line will be $200.
List of the Best Credit Builder Cards Without SSN
We have curated top 5 best credit cards without SSN for you, so that you don’t have to worry about your credit and can get on board with your financial journey:
- Zolve Azpire Credit Builder Card
- Capital One Platinum Credit card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One Platinum Secured Credit Card
- Chase Freedom® Student Credit Card
Let's explore in detail about these best credit cards without SSN to build your credit.
Zolve Azpire Credit Builder Card
The Zolve Azpire Credit Builder Card is the best US credit card without a social security number. Zolve charges no yearly fees and no foreign transaction fees. This is significant since individuals without a Social Security Number usually do not have a credit score. People with little or no credit history can also be authorised for this card.
With rewards of up to 15%, the Zolve Azpire Credit Builder Card is regarded as one of the finest credit cards for newbies. Here is list of other reasons of why is Zolve Credit Builder Card the best credit card with no SSN needed:
- No Credit Check required
- 0% Annual Interest Rate
- No Annual OR Late Fees
- Up to 10% rewards
- No Subscription fee
- No hidden charges
- No SSN or ITIN required
Capital One Platinum Credit Card
Capital One Platinum Credit Card is one of the good credit cards that doesn't require a Social Security Number. People without an SSN can use an ITIN instead, and those with low credit or better can obtain acceptance. There isn't a yearly cost. Additionally, cardholders receive 1 to 1.5% cash back on qualifying purchases, with the biggest benefits going to those who consistently make their payments on time.
Capital One Quicksilver One Cash Rewards Credit Card
Although there is a $39 annual fee for the Capital One QuicksilverOne Cash Rewards Credit Card, it gives limitless 1.5% cash back on all purchases and boasts the prospect of a larger credit line after as little as six months of card membership. Cardholders who are unable to pay a payment in full and on time each month should avoid a card like this one because of its high APR of 26.99% (Variable).
Capital One Platinum Secured Credit Card
The Capital One Platinum Secured Credit Card certainly falls short of better secured cards available on the market with a $0 annual fee, no foreign transaction fee, and deposits less than the secured line of credit, but its issuer might approve you for a card without requiring your SSN.
Users of the Capital One Platinum Secured Credit Card may see a deposit returned as a statement credit with responsible use and credit improvement, but there are no other rewards or significant benefits aside from a $0 fraud liability benefit and free access to your credit score through Capital One's website. The adjustable card 26.99% (Variable) APR means it has costly implications for individuals who are unable or unaccustomed to paying off bills in full each month.
Chase Freedom® Student Credit Card
It's worth checking to see if you can get a better card this time if you've previously obtained your own credit card without providing SSN or have served as an authorised user on a friend's account. This credit card with no ssn required is a particularly beneficial choice if your credit is currently good or excellent and you have an ITIN. Regular rewards rates for Chase Freedom Unlimited® are 1.5–5% cash back on purchases. However, during the first year, you receive an additional 1.5% cash back on all purchases up to $20,000 in value. There is no yearly cost.
Everyone in the US needs to build their credit in order to be financially successful. Rents may increase if tenants don't have good credit, they may pay more for insurance and loans, and occasionally employers will check applicants' credit histories as well. Unfortunately, a lot of institutions demand SSN in order to issue a credit card. It's hard to find a credit card without an SSN. But the silver lining is that the Zolve Azpire Credit Builder Card is available to all the international students, and immigrants to provide them with a high-reward card that will help them establish credit as soon as they arrive in the US.
Frequently Asked Questions (FAQs)
Can I get any US credit card without SSN?
Although it can be very challenging, establishing credit without a Social Security Number is not impossible. You cannot be required to give your Social Security Number by credit card companies. Many credit card companies need an Individual Taxpayer Identification Number (ITIN) instead.
Can I get a Zolve credit card without an SSN?
Yes, you can get the Zolve Azpire Credit Builder Card. For this credit builder card, you don’t need an SSN. By providing basic documents like passport and identity card, you can get your US credit card without a Social Security Number.
I don't have an SSN or ITIN, can I still get a credit card?
Yes, without an SSN or ITIN, you can obtain a credit card, although this happens very infrequently. You can use a foreign passport if you live in the United States and can apply for the Zolve Azpire Credit Builder Card.