ITIN Credit Card: Which Issuers Actually Accept One
How ITIN cards actually work
An ITIN is a nine-digit tax processing number the IRS issues to people who need to file taxes but don't qualify for an SSN — it's not a citizenship or immigration status marker.
Applying directly with a major issuer
On most Chase, Amex, and Capital One applications, look for a field that lets you enter an ITIN instead of an SSN, or an explicit 'I have an ITIN' option. If the online form won't accept it, applying in person at a branch is usually a reliable fallback.
Applying with a card built for ITIN holders
Petal and OpenSky are designed around exactly this situation — ITIN accepted by default, no separate workaround needed, and OpenSky adds no credit check on top of that.
You don't have an ITIN yet
You'll need to file Form W-7 with the IRS, generally alongside a federal tax return, and provide identity documents. This takes real time — plan for it before you plan your card application.
Card matches
Petal 2 Visa Credit Card
Eligible MatchOpenSky Secured Visa
Eligible MatchCapital One Quicksilver Secured Cash Rewards Credit Card
Info OnlyChase / American Express — ITIN accepted on most applications
Info OnlyWhat to have ready
- ITIN assignment letter (CP565) or your ITIN number itself
- Proof of U.S. address
- Proof of income or employment, for unsecured cards
- A security deposit, if you're applying for a secured card
Frequently Asked Questions
Does Chase accept an ITIN instead of an SSN?
On many applications, yes — look for an option to enter an ITIN in the SSN field or a checkbox indicating you have an ITIN. Requirements can vary by specific card and change over time, so confirm on the current application.
Will an ITIN card show up differently on my credit report than an SSN card?
No. Once the account is open and reporting, credit bureaus track it the same way regardless of which identifier was used to open it.
How long does it take to get an ITIN?
IRS processing time varies and can take several weeks to a few months, especially during tax season. If you need a card sooner, a secured card that accepts a passport may be faster than waiting on an ITIN.
Can I use my ITIN for a secured and an unsecured card at the same time?
Yes — there's no rule limiting how many accounts an ITIN can be associated with, the same as with an SSN. Each application is still evaluated on its own.