what credit service does social security use to verify info

Best Credit Cards Without A Social Security Number Of April 2022

Forbes Advisor Staff, Contributor, Editor

Updated: Mar 31, 2022, 1:44pm

Editorial Annotation: Nosotros earn a commission from partner links on Forbes Advisor. Commissions practice not affect our editors' opinions or evaluations.

Most bill of fare issuers in the United States will request credit carte applicants to provide a Social Security number (SSN). This helps credit card companies prevent fraud and protects the general public from identity theft. This requirement is not universal for all cards, yet. For those who do not qualify for a Social Security carte du jour or number, there are yet options for opening a U.S. credit card account.

In this article, nosotros outline the summit card options available from issuers not requiring a SSN to apply. Alternative forms of ID will be requested in the application process, but these offerings provide solutions for those who want to take reward of the security features of a credit card, to build credit history or to earn rewards on spending.

Note that you may not be able to apply for some of these credit cards online without a SSN and you may demand to go into a bank branch and apply in person instead.

Find The Best Credit Cards For 2022

No single credit card is the best option for every family, every purchase or every budget. We've picked the all-time credit cards in a way designed to be the most helpful to the widest diverseness of readers.

Prove Summary

• Banking concern of America® Travel Rewards credit card: Best Without SSN Requirement for Skillful Credit
• Deserve® EDU Mastercard for Students: Best Without SSN Requirement for Students
• Capital One QuicksilverOne Greenbacks Rewards Credit Card: Best Without SSN Requirement for Fair Credit
• Majuscule 1 Platinum Secured Credit Bill of fare: All-time Without SSN Requirement for No Credit/Bad Credit

Best Without SSN Requirement for Skilful Credit

Banking concern of America® Travel Rewards credit card

i.5x Rewards Rate

Earn unlimited ane.five points per $1 spent on all purchases, with no annual fee and no strange transaction fees andRead More than

Welcome Bonus

25,000 points

Regular Apr

14.24% - 24.24% Variable APR on purchases and balance transfers

Credit Score

Excellent/Good (700 - 749)

Why Nosotros Picked It

The Bank of America® Travel Rewards Credit Card is an splendid fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it's also a great carte du jour to utilise when traveling.

Pros & Cons

• Earn uncapped rewards
• Depository financial institution of America Preferred Rewards clients earn 25%-75% more cashback on every purchase
• No foreign transaction fees

• No bonus categories to boost reward earnings
• No intro APR offering for residual transfers
• APR tin can be loftier, depending on creditworthiness

Menu Details

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
• 25,000 online bonus points subsequently you make at least $1,000 in purchases in the beginning ninety days of business relationship opening – that can be a $250 statement credit toward travel purchases.
• Apply your bill of fare to book your trip how and where you want – you're not express to specific websites with coma dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such every bit flights, hotel stays, automobile and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% – 24.24% Variable APR will apply.
• If you're a Preferred Rewards member, you can earn 25% – 75% more points on every purchase. That ways you could earn upwardly to 2.62 points for every $1 spent.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offering may non be available if you leave this page or if yous visit a Banking company of America fiscal center. You lot tin can take reward of this offering when you apply now.

Best Without SSN Requirement for Students

Deserve® EDU Mastercard for Students

1% Reward Charge per unit

Earn 1% cash dorsum on all purchases

Welcome Bonus

One year of Amazon Prime Educatee

Regular April

18.74% Variable

Credit Score

Express/No Credit

Why We Picked It

For international students or students without a credit history, the Deserve EDU Mastercard is a compelling choice with no annual fee and a flat 1% cash back reward. However, for those with a solid credit history, meliorate student cards are out there.

Pros & Cons

• No almanac fee
• No foreign transaction fees
• Useful benefits like jail cell telephone protection
• Doesn't require a social security number to apply, allowing international students to qualify

• Cash back rewards don't exceed 1%
• High variable APR

Carte du jour Details

• Receive ane year of Amazon Prime number Student on Deserve later on spending $500 in the kickoff three billing cycles with your EDU card (Lifetime Value of $59).
• Earn ane% Cash Dorsum on all purchases with your Deserve EDU Mastercard. In one case approved, you'll automatically showtime earning cash back on all purchases.
• Experience secure with prison cell phone protection upward to $600.
• No deposit required. No annual fees.
• No international transaction fees on purchases abroad so you lot can travel with confidence.
• No Social Security Number required for international students to utilise.
• Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $thirty and and so will your referral. Referral bonuses are unlimited!
• Manage and rails your spending, set automatic payments and securely freeze your card all through one easy to use app.
• See if you prequalify with no bear upon to your credit score in minutes.
• Deserve Mastercards are issued by Celtic Bank, Member FDIC.
• Relish Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Best Without SSN Requirement for Fair Credit

Capital I QuicksilverOne Cash Rewards Credit Card

i.5% Reward Rate

Earn unlimited 1.v% cash back on every purchase, every day.

Regular April

27.24% (Variable)

Credit Score

Average, Fair, Express ()

Why We Picked It

A peachy option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.five% cash dorsum rewards rate. Yous may as well gain a higher credit line in as little as half dozen months from account opening.

Pros & Cons

• Unlimited ane.v% cashback rewards
• Average credit applicants considered
• No foreign transaction fee
• Rewards don't expire

• High Apr
• No bonus spending categories to boost rewards
• No welcome offer
• No intro APR offer

Card Details

• Earn unlimited one.5% cash dorsum on every purchase, every day
• Earn cash rewards without signing upwardly for rotating categories
• Exist automatically considered for a higher credit line in every bit trivial as 6 months
• Monitor your credit profile with the CreditWise® app, gratis for everyone
• $0 fraud liability if your carte du jour is ever lost or stolen
• No limit to how much greenbacks back you can earn, and greenbacks back doesn't expire for the life of the account
• Assist strengthen your credit for the future with responsible card use
• Become customized alerts and manage your account with the Capital One mobile app

Best Without SSN Requirement for No Credit/Bad Credit

Uppercase One Platinum Secured Credit Menu

Regular APR

27.24% (Variable)

Credit Score

Limited, Bad ()

Why Nosotros Picked It

With its flexible security eolith requirement and ability to increment credit line beyond the initial deposit, the Capital I Platinum Secured Credit Card is a rare offering.

Pros & Cons

• Applicants may be eligible with express or bad credit
• No strange transaction fee
• No annual fee
• Security deposit of $49, $99, or $200

• High April
• May not be available to borrowers with seriously damaged credit
• No rewards program

Card Details

• No annual or hidden fees. Run into if you lot're approved in seconds
• Building your credit? Using the Capital I Platinum Secured bill of fare responsibly could help
• Put downwards a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn dorsum your security deposit as a statement credit when you use your carte du jour responsibly, like making payments on fourth dimension
• Exist automatically considered for a higher credit line in as picayune equally vi months with no boosted deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't exist responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's gratuitous for everyone and tin can help you understand how your credit history impacts your credit score

Best Credit Cards Without A Social Security Number

---

Methodology

The best cards with applications lacking a strict Social Security number requirement were called based on welcome bonuses, fees, rewards and other perks. What is all-time for the majority of consumers, notwithstanding, might not be right for you. Conduct informed research before deciding which cards will best aid you achieve your fiscal goals.

---

What Is a Social Security Number?

Following the Dandy Depression of the 1930s, President Roosevelt signed the Social Security Human activity as role of the New Deal. The act was designed to stimulate and protect the country's recovering economy and protect the personal resource of its current and future citizens. Since that time, a 9-digit number has been issued to each new U.South. citizen, connecting united states all to the Social Security database for life.

This Social Security number (SSN) provides an identification code used for everything from taxes to credit reports to its original intended purpose: social security contributions and payments. To larn more well-nigh SSNs and Social Security in general, check out our guide: What is Social Security?

---

Why Do About Carte du jour Issuers Require Social Security Numbers?

The U.S. Social Security database is one of the about efficient and secure resources banks can use to verify client identity and personal information. The U.S. Patriot Act of 2001 holds each bank responsible for the individual accounts it opens and provides tools for the tracking of illegal activity such as money laundering or for the identification of potential terrorist threats. For this reason most banks and credit bill of fare companies prefer and nigh always crave a valid Social Security number.

If an bidder does not qualify for a SSN, another form of ID is required to verify personal information. Alternatives for proof of identification vary depending on the carte du jour issuer and the blazon of card requested. Though a SSN is non required to have a credit file with the credit bureaus, many banks use Social Security numbers to run credit checks earlier approval carte du jour applications.

---

Card Issuers That Will Consider Applications Without a Social Security Number

The 2 near popular bill of fare issuers for applicants without an SSN are American Limited and Citibank. These issuers also both offer cards exterior the U.Southward. and if you have an open account with either issuer in some other land, your foreign credit activeness volition exist considered.

American Express Global Card Relationship

For existing American Express customers, the American Express Global Menu Human relationship programme is a not bad option for discovering new credit cards. You can admission data on available cards but by logging into your active international Amex account.
To qualify for the plan you volition need to provide the number for your existing international account. This account must be in good standing and have been active for at least iii months prior to submitting an awarding for a new U.S. card.

Citibank Global Banking

While Citibank does not accept an online carte application for its existing customers, it is possible to call the bank directly and request any current account history exist linked to an application for a new card. With good history, this should make your application stronger as it helps the banking concern verify your identity and evaluate your electric current level of assets and credit history. Calling or applying at a branch in person makes sense particularly for existing Citibank members with a foreign account, though your level of assets and credit history volition likely demand to be substantial and well-established to qualify you for the Global Banking plan.

Other Banks and Card Issuers

Bank of America likewise offers credit cards without requiring provision of a Social Security number. With a valid ITIN—a number which is only available to those non eligible for a SSN—two great cards you may qualify for are the Bank of America® Travel Rewards credit menu for Students* and the Bank of America® Customized Cash Rewards credit carte du jour. Both of these will earn you rewards. In order to qualify, however, Depository financial institution of America recommends making sure that yous have a proficient or excellent credit history beforehand. You will also need to apply at a branch in person.

Capital Ane will also have an ITIN equally an alternative ID on its online card applications. For those applying for a first credit card or with a fair or limited credit history, the bank has a few starter carte options as well. A great card for this is the Capital 1 Platinum Credit Carte . Most new applicants will receive only a pocket-sized credit line to start, but can qualify for a credit increase after as few as six months of on-time payments. The Capital letter One QuicksilverOne Greenbacks Rewards Credit Card has an annual fee, but offers cash rewards for eligible applicants with average credit or to a higher place.

Hunt is some other bank that accepts card applications online with an ITIN, though it may be more difficult to qualify with off-white or limited credit history as Hunt requires a good credit score for well-nigh card applications.

Both U.S. Bank and Wells Fargo accept an ITIN every bit a replacement for SSN identification, but this applies to secured cards only.

Unfortunately, Find and Barclays are ii widely used companies non accepting carte du jour applications without a Social Security number. If you accept a card issuer in heed but are unsure virtually their policy regarding SSN identification, we recommend calling a branch directly to find out more earlier applying for a card online.

---

How to Become a Credit Card Without a Social Security Number

The nigh mutual alternative to providing a Social Security number is to utilise an ITIN, or Individual Taxpayer Identification Number, instead. Nearly credit card issuers accepting card applications without SSNs volition request this as an alternative, forth with other documentation required to verify the identity of an bidder.

What Is an ITIN?

Individual Taxpayer Identification Numbers are only available through the IRS when the applicant obtaining an SSN is not possible. The IRS will assign an ITIN to U.S. workers such equally immigrants—whether documented or undocumented—foreigners with temporary employment visas or entrants from places such as Cuba or Haiti, as well equally certain lawful citizens who have survived domestic violence or other crimes and crave identity protection.

It is federally required that anyone with a U.S. income file taxes, then the ITIN allows such individuals to lawfully file this income. Residents likewise as nonresidents can apply for ITINs through the Internal Revenue Service, though qualification is non guaranteed in all cases.

Even though many card issuers will process an awarding using a valid ITIN, it is likely you will need to provide further identifying information. Be prepared to prove a copy of your passport and/or U.S. visa if you take i. Some banks may as well require that you lot already take some kind of relationship with them before applying for a credit card, such equally holding an existing checking or savings account.

Approvals for someone with neither a SSN or ITIN are rare, though theoretically not impossible.

Prepaid Cards Are a Convenient Last Resort

If you lot can't qualify for a credit card without a Social Security number, prepaid cards still offer many of the same conveniences with no credit check required. Prepaid cards make online shopping easier and are widely accustomed for in-person purchases. Some also provide express protection against loss or theft. However, keep in mind that these cards practise not build credit history.

---

How to Get a Business concern Credit Bill of fare without a Social Security Number

The nearly mutual solution to applying for a Concern Credit Card without an SSN is to utilize for an EIN, or Employer Identification Number. Much like the ITIN, this number is issued by the IRS for revenue enhancement purposes. Yous every bit an individual will more than likely first need an ITIN or SSN to and then acquire an EIN for your business. One time you have a valid EIN and tin add information technology to your credit bill of fare awarding, you lot are much more likely to qualify for a business organisation account. Substantial business credit or avails and income will likely be required for a reward-earning or benefit-packed account.

Build Credit without a Social Security Number

Simply by obtaining a credit card, whether you used a Social Security number or not, yous brainstorm to build credit. The key is managing credit payments in a responsible way by e'er paying on fourth dimension in full and not exceeding a credit utilization ratio of virtually 30% across all accounts.

Other types of loans also build credit, so a credit card is not required to build credit. Mortgages, machine loans and any other type of loan from an issuer who reports payments to the three credit bureaus volition work to help build credit.

Bottom Line

Getting a credit menu without a Social Security number is possible, especially if you have or qualify for an ITIN. It'll be easier to qualify for credit cards if y'all have an American-based credit history or an established relationship with the bank. Secured cards can exist a nifty place to first until yous're eligible for a wider selection of cards.

---

FAQs

Can yous add together an authorized user to a credit card without a SSN?

Maybe. Depending on the credit bill of fare issuer, you may be able to add authorized users without providing a SSN. For case, American Express requires that authorized users provide a SSN, while Chase simply requests the authorized user's personal contact information.

Will my foreign credit history transfer to the U.S.?

Perchance. There is no global standard or organization for credit reporting, and so your credit score history will probable only exist in the country where y'all originally built it. That said, when applying for a new credit bill of fare in the U.S., y'all tin can request a credit card issuer or bank of option refer to your international score history while assessing your eligibility to starting time building credit within the U.S.. Call an issuer to enquire virtually specifics regarding your ability to exist considered based on a foreign credit report.

Information provided on Forbes Advisor is for educational purposes only. Your fiscal situation is unique and the products and services we review may not be right for your circumstances. We practise non offer financial advice, informational or brokerage services, nor practise we recommend or advise individuals or to buy or sell detail stocks or securities. Functioning information may take changed since the fourth dimension of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our cognition, all content is authentic as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author's lonely and have not been provided, canonical, or otherwise endorsed by our partners.

Becky Pokora is an avid traveler with a particular love for the outdoors. She's ever looking for new means to brand travel easier, more memorable, and more than affordable. You'll find stories, tips, and inspiration here and on her travel weblog, sightDOING.

Chauncey grew upward on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains near at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than self-approbation.

Dia Adams is a noted family travel practiced and a real-life Mom of ii teens in the DC Metro area. She has visited over 45 countries and lived in Thailand, Red china, and Ireland (where her son was born). Her kids have over twenty stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon.

Was this article helpful?

Cheers for your feedback!

Something went wrong. Delight try over again later.

The Forbes Advisor editorial team is independent and objective. To help support our reporting piece of work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Counselor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to nowadays their offers. The compensation we receive for those placements affects how and where advertisers' offers appear on the site. This site does not include all companies or products bachelor inside the market place. Second, nosotros likewise include links to advertisers' offers in some of our articles; these "affiliate links" may generate income for our site when you lot click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial squad provides in our manufactures or otherwise affect any of the editorial content on Forbes Advisor. While we piece of work difficult to provide accurate and up to appointment information that we think you will find relevant, Forbes Counselor does not and cannot guarantee that any data provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.

moorehistal.blogspot.com

Source: https://www.forbes.com/advisor/credit-cards/best/without-ssn/

Share this post