What is the best credit card for ITIN holders with no credit history?

OpenSky Secured Visa is the best for no credit history. It requires no credit check and no bank account. Provide a security deposit of $200 to $6,500, which becomes your credit limit. The $35 annual fee is the tradeoff for guaranteed approval. OpenSky reports to all 3 bureaus monthly. After 6 to 12 months of on-time payments, you build enough history to qualify for better cards.

Can ITIN holders get unsecured credit cards without SSN?

Yes, after building credit history. Deserve Pro Mastercard offers unsecured credit to some ITIN holders with no US credit history, particularly international students. After 6 to 12 months of secured card usage and a 650+ credit score, Capital One QuicksilverOne and other entry-level unsecured cards become available. After 18 to 24 months with a 700+ score, most major unsecured cards are accessible.

How much deposit do secured ITIN credit cards require?

OpenSky: $200 to $6,500 (you choose). Capital One Secured: $49 to $200 for a $200 limit. Wells Fargo Secured: $300 to $10,000 (you choose). Chime Secured: $0 deposit (uses your Chime account funds). The deposit is fully refundable when you close the account or upgrade to an unsecured card. Higher deposits give higher credit limits, which helps keep utilization low.

Do ITIN credit cards report to all 3 credit bureaus?

Most do. OpenSky reports to Experian, Equifax, and TransUnion. Capital One reports to all 3. Wells Fargo reports to all 3. Deserve reports to all 3. Chime reports to all 3. This is critical because some lenders check only one bureau. Having all 3 bureaus showing your positive history maximizes your future approval chances for any credit product.

What credit limit can ITIN holders get on their first card?

Secured cards: your credit limit equals your security deposit ($200 to $10,000 depending on the card). Unsecured cards (like Deserve Pro): typically $500 to $1,500 initial limit. After 6 to 12 months of on-time payments, request a credit limit increase. Most issuers increase limits by 25% to 100% for customers with clean payment histories. Capital One often grants automatic increases.

Are there any credit cards for ITIN holders with no annual fee?

Yes. Capital One Secured Mastercard ($0 annual fee), Wells Fargo Secured Card ($0 annual fee), and Chime Secured Credit Builder ($0 annual fee) all accept ITIN holders with no annual fee. Deserve Pro also has no annual fee. OpenSky charges $35/year but does not require a credit check, making it the best option for guaranteed approval with no credit history.

Can ITIN holders get business credit cards?

Yes. After establishing a business with an LLC and EIN, ITIN holders can apply for business credit cards. Mercury offers a business card to account holders. Brex provides business cards with no personal credit check (but requires business revenue). Capital One Spark offers secured business cards. Business credit cards help build business credit separately from personal credit.

What happens to my deposit when I upgrade from a secured to unsecured card?

Your security deposit is returned in full. Most issuers refund the deposit as a statement credit or direct deposit to your bank account within 1 to 2 billing cycles after the upgrade. Capital One automatically reviews secured card holders for upgrade eligibility after 6+ months of on-time payments. You do not need to close your account; the transition from secured to unsecured happens on the same account, preserving your credit history length.

Should I get multiple ITIN credit cards at once?

No. Apply for 1 secured card first. Use it responsibly for 6 months. Then consider a second card. Multiple simultaneous applications generate hard inquiries that lower your score and signal risk to lenders. The ideal strategy: 1 secured card at month 0, 1 unsecured card at month 12, then 1 rewards card at month 18 to 24. Space applications at least 6 months apart for the best results.

ITIN Credit Cards: No SSN Required — Best Cards for 2026

Updated April 2026

Direct answer: OpenSky Secured Visa ($35/year, no credit check), Capital One Secured Mastercard ($0/year), Deserve Pro ($0/year, no deposit), and Wells Fargo Secured ($0/year) all accept ITIN holders without an SSN. Start with a secured card, build 6-12 months of history, then graduate to unsecured rewards cards. Below: complete comparison, approval requirements, and credit building strategy.

Which Credit Cards Accept ITIN Without an SSN in 2026?

Card	Type	Annual Fee	Deposit	Credit Check
OpenSky Secured Visa	Secured	$35	$200-$6,500	None
Capital One Secured	Secured	$0	$49-$200	Soft pull
Wells Fargo Secured	Secured	$0	$300-$10,000	Hard pull
Deserve Pro	Unsecured	$0	None	Soft pull
Chime Secured	Secured	$0	$0 (uses balance)	None

How Does the OpenSky Secured Visa Work for ITIN Holders?

OpenSky is the most accessible option for ITIN holders because it requires no credit check and no existing bank account. Apply online at opensky.com. Enter your ITIN in the SSN field. Choose your security deposit amount ($200 to $6,500). Pay the $35 annual fee. Your deposit becomes your credit limit. OpenSky reports to all 3 credit bureaus monthly. After 6 months, you have a credit score. After 12 months of on-time payments, apply for a $0 annual fee card and close OpenSky to get your deposit back.

How Does the Capital One Secured Card Work for ITIN Holders?

Capital One Secured requires a soft credit pull during application (does not affect your score). If approved, you deposit $49 to $200 for a $200 credit limit. No annual fee. Capital One automatically reviews your account for an upgrade to an unsecured card after 6 months of on-time payments. The $0 annual fee makes this the best long-term value if you can get approved. Reports to all 3 bureaus.

Need an ITIN to apply for a credit card?

Apply through itin.so. Standard: $297. Express: $297. Get your ITIN and start building credit.

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What Is the Best Strategy for Graduating to Unsecured Cards?

Follow this timeline. Month 0: Open a secured card (OpenSky or Capital One). Months 1-6: Use it for 1-2 small purchases per month, pay full balance via autopay. Month 6: Check your credit score (should be 630-680). Request a limit increase. Month 12: Apply for Deserve Pro or Capital One QuicksilverOne. Keep the secured card open. Month 18-24: With a 700+ score, apply for premium rewards cards. See our complete approval tips guide and credit building roadmap.

What Are the Differences Between Secured and Unsecured ITIN Cards?

Secured cards require a refundable deposit, have lower credit limits, offer minimal or no rewards, and are easier to get approved for. Unsecured cards require no deposit, offer higher limits, include cash back or points rewards, and require 6+ months of credit history. Both types report to credit bureaus identically. Both build your credit score at the same rate. The secured card is simply the entry point that makes unsecured cards possible.

Can ITIN Holders Get Store Credit Cards Without SSN?

Some store credit cards accept ITIN holders, though policies vary by retailer. Amazon Store Card (through Synchrony Bank), Target RedCard, and Walmart Credit Card have reportedly approved ITIN holders with established credit history. Store cards typically have higher interest rates (25-30% APR) and lower limits. They are not recommended as a first credit card. Start with a dedicated secured card, build your score, then consider store cards if you shop at specific retailers frequently.

Government Sources

Credit card issuer policies from individual card terms and conditions. ITIN acceptance under USA PATRIOT Act Section 326. Credit bureau reporting under Fair Credit Reporting Act. Card terms subject to change; verify current terms with each issuer. Information current as of April 2026.

ITIN Credit Cards Without SSN: Frequently Asked Questions

OpenSky Secured Visa, Capital One Secured Mastercard, Deserve Pro Mastercard, Wells Fargo Secured Card, and Chime Secured Credit Builder accept ITIN holders. OpenSky is the easiest to get with no credit check required. Capital One and Wells Fargo require a soft or hard credit check. Deserve does not require a security deposit. All cards report to the 3 major credit bureaus, building your credit history.

Get Your ITIN and Apply for a Credit Card

Apply through itin.so. Standard: $297. Express: $297. 100% money-back guarantee.

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