Which Issuers Actually Accept an ITIN — Not Just Which Ones People Say Do
Confirmed directly against issuer sources: Chase, Discover, Wells Fargo, Petal, OpenSky, Firstcard, Mission Lane, and PenFed all accept an ITIN in place of an SSN. Bank of America, Self, Current, and Patelco all require an SSN in their live application, despite sometimes appearing on ITIN-friendly roundups elsewhere.
Last updated 2026-07-22This is a moving target, not a settled list
The May 2026 executive order and June 2026 FinCEN advisory don't ban ITIN-based applications, but they do encourage issuers to treat ITIN-in-place-of-SSN as a risk factor worth extra scrutiny. That can mean more document requests behind the scenes without any change to the public application page. Two regulatory dates could still force real, visible changes — see the Executive Order Impact Tracker for what to actually watch for.
See the EO Impact Tracker →"ITIN accepted" doesn't always mean the same level of certainty
Not every row in the matrix below carries the same confidence. Chase, Discover, Wells Fargo, Petal, Mission Lane, and PenFed all state ITIN acceptance directly on their own application pages or disclosures — the strongest tier of evidence. American Express and Citi's rows, by contrast, are labeled 'reported, unconfirmed by issuer' — the claim traces to financial-media reporting, not a current statement from Amex or Citi themselves. That distinction matters if you're choosing where to apply: a confirmed row is safe to rely on; a reported-unconfirmed row is worth a direct call or chat with the issuer first.
Credit union membership isn't the same as card-level confirmation
Navy Federal and Alliant both confirm ITIN acceptance for credit union membership itself, but neither one's card application independently restates that an ITIN works at the card level. PenFed is the clear exception — its actual card application has a distinct ITIN field. Don't assume that because you can join a credit union with an ITIN, every card that credit union offers will accept one too.
The one product with genuinely conflicting information
Kikoff is a special case worth knowing about before you go looking for it: the company's own platform messaging describes ITIN acceptance, but its secured-card page separately states that product has retired. This isn't a case of picking the more convenient answer — the source pages actually contradict each other, so the matrix marks it 'do not rely on' rather than guessing which page is current.
Step-by-step
Chase, Discover, Wells Fargo, Petal, Mission Lane, and PenFed are your confirmed options — no security deposit required at any of them.
OpenSky and Firstcard add two more confirmed options, both of which also skip a credit check entirely for approval.
Zolve and Nomad Credit accept alternative documentation without an ITIN specifically. Check the Passport-Only matrix for the complete, stricter-bar picture of this exact situation.
Confirm ITIN acceptance at the specific card level, not just the membership level — PenFed's application has a dedicated ITIN field; Navy Federal and Alliant don't clearly confirm this for their cards specifically.
Every verdict above is sourced to an issuer's own application, FAQ, or disclosure — or clearly labeled 'reported, unconfirmed' where the claim only traces to third-party reporting.
ITIN Credit Card Acceptance Matrix →Frequently asked questions
Will applying somewhere with an unclear ITIN policy hurt my credit?
It can, if the application results in a hard inquiry and you're then declined. That's exactly why the confidence labels in the matrix matter — a 'reported, unconfirmed' or 'unknown' row is worth confirming directly with the issuer before applying, not just assuming it'll work.
Should I use the Eligibility Checker tool instead of reading the matrix directly?
Either works — the Eligibility Checker turns the same underlying data into a few quick questions if you'd rather not scan a table. The matrix is more complete if you want to see every issuer and the exact evidence behind each verdict.