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01Which issuers accept an ITIN credit card application
Shorter list than the internet suggests: Capital One (online), Chase (in-branch, with history), and the newcomer fintechs Firstcard and Zolve, which take a passport even before the ITIN arrives. Getting a credit card with ITIN documentation is routine at these issuers: on every credit card ITIN application, the number simply goes in the SSN field. Amex and Bank of America approve some ITIN applicants — but only with established history, which a first-time applicant doesn't have yet.
Availability verified September 22, 2026. Cards that stop taking applications leave this list.
02Quick comparison
| Card | Deposit | Annual fee | History | Best for |
|---|---|---|---|---|
| Firstcard | from $100 | $0 | None | No SSN or ITIN yet |
| Zolve Azpire | — | $0 | None | New arrivals |
| Quicksilver Secured | $200 | $0 | None | 1.5% cash back day one |
| Capital One Platinum | $0 | $0 | Limited | First unsecured card |
| Chase Freedom Unlimited | $0 | $0 | 1–2 yrs | The graduation card |
03The cards, one by one
Card details below are shown in Spanish — the facts rows (deposit, fee, SSN policy) read the same in both languages.
Firstcard Secured Credit Builder
Empezar sin SSN ni ITIN- Depósito
- Desde $100 (asegurada)
- Cuota anual
- $0 en el plan básico
- ¿Exige SSN?
- No — acepta pasaporte
- Historial requerido
- Ninguno
A favor
- Se puede solicitar solo con pasaporte, incluso antes de tener el ITIN
- Reporta a los burós para construir historial desde el primer mes
- Aprobación típica en 24–48 horas
En contra
- Es una tarjeta asegurada: el límite depende de su depósito
- Los planes con más beneficios cobran mensualidad
Zolve Azpire Credit Builder
Recién llegados con pasaporte o ITIN- Depósito
- Funciona sobre su propia cuenta
- Cuota anual
- $0
- ¿Exige SSN?
- No — ITIN o pasaporte
- Historial requerido
- Ninguno
A favor
- Diseñada para inmigrantes recién llegados; solicitud con ITIN o pasaporte
- Sin cuota anual y reporta a los burós
- Camino interno a la tarjeta no asegurada de Zolve
En contra
- Requiere abrir la cuenta Zolve y fondearla
- Beneficios de viaje/recompensas limitados frente a tarjetas tradicionales
Capital One Quicksilver Secured
Cashback desde el primer día- Depósito
- $200
- Cuota anual
- $0
- ¿Exige SSN?
- No — acepta ITIN
- Recompensas
- 1.5% en todas las compras
A favor
- Banco grande que acepta ITIN en la solicitud
- 1.5% de cashback sin categorías que vigilar
- Revisión automática a los 6 meses para subir a no asegurada y devolver el depósito
En contra
- Necesita los $200 de depósito por adelantado
- Pide cuenta bancaria en EE. UU. para fondear y pagar
Capital One Platinum
Primer historial, sin depósito- Depósito
- No requiere
- Cuota anual
- $0
- ¿Exige SSN?
- No — acepta ITIN
- Historial requerido
- Limitado o en construcción
A favor
- No asegurada: no hay que congelar dinero en un depósito
- Acepta ITIN y considera perfiles con poco historial
- Aumentos de límite automáticos con buen comportamiento
En contra
- Sin programa de recompensas
- Con historial nulo, la aprobación no está garantizada — empiece por una asegurada si le rechazan
Chase Freedom Unlimited
Ya tiene 1–2 años de historial- Depósito
- No requiere
- Cuota anual
- $0
- ¿Exige SSN?
- No — Chase acepta ITIN (solicite en sucursal)
- Historial requerido
- Bueno (típicamente 1–2 años)
A favor
- Cashback en todas las compras, con bonos por categoría
- La graduación natural cuando su historial con ITIN ya está construido
En contra
- No es para empezar: exige historial de crédito establecido
- La solicitud con ITIN suele requerir ir a una sucursal
04How to apply with an ITIN
- Match the card to your situation: no ITIN yet → Firstcard or Zolve; ITIN plus $200 to deposit → Quicksilver Secured; no deposit available → Platinum.
- Apply on the issuer's official site, entering the ITIN in the SSN field. For Chase, ask for a paper application in a branch.
- Keep usage under 30% and pay in full monthly. Six to twelve months of that pattern is what turns an ITIN into a score that unlocks loans and better cards.
PreguntasFrequently asked questions
Can I get a credit card with an ITIN instead of an SSN?
Yes. Capital One accepts an ITIN on online applications, Chase accepts it in-branch, and newcomer-focused issuers like Firstcard and Zolve accept a passport even before your ITIN arrives. Enter the ITIN in the SSN field — it uses the same nine-digit format.
Do Amex or Citi accept ITIN credit card applications?
American Express can approve ITIN applicants who already have U.S. credit history; Citi's online application asks for an SSN and publishes no ITIN policy. Neither is a realistic first card — build 6–12 months of history on a starter card first.
Do credit cards using ITIN build the same credit score?
Yes. All three bureaus keep a file under your ITIN and score it identically. If you later get an SSN, you can ask the bureaus to transfer the history to the new number.
What happened to Petal 2?
Petal 2 closed to new applicants — most "ITIN card" lists still recommend it anyway. That is why every recommendation on this page carries a visible verification date.