ITIN Credit Card Acceptance Matrix
This is a moving target
The May 19, 2026 executive order directed Treasury and financial regulators to strengthen customer-identification procedures around ITIN use. A June 5, 2026 FinCEN advisory followed — it did not create a blanket ban on ITIN-based credit, but it does encourage institutions to treat ITIN-in-place-of-SSN as one possible risk factor requiring extra scrutiny, particularly for applicants without accompanying immigration, employment, or residency documentation. Expect more document verification going forward, not necessarily fewer accepting issuers — but this table reflects the most current verifiable state, not a permanent one.
| Issuer | Product | Verdict | ID Paths | Deposit | Soft-Pull/No-Check | Bureaus | Confidence | Source | Date Checked |
|---|---|---|---|---|---|---|---|---|---|
| Chase | Personal credit cards | ITIN accepted | SSN or ITIN | N/A | No, hard pull | Unknown | Confirmed — issuer states it | chase.com | 2026-07-21 |
| American Express | Personal credit cards | SSN or ITIN required (not passport-only) | SSN or ITIN | N/A | No, hard pull | Unknown | Reported, unconfirmed by issuer | NerdWallet | 2026-07-21 |
| Discover | Personal credit cards | ITIN accepted; passport in some immigrant cases | SSN, ITIN, or passport in some cases | N/A | No, hard pull | Unknown | Confirmed — issuer states it | discover.com | 2026-07-21 |
| Citibank | Personal credit cards | Reportedly ITIN-accepting (may have changed) | SSN or ITIN (reported) | N/A | Unknown | Unknown | Reported, unconfirmed by issuer | Forbes Advisor | 2026-07-21 |
| Capital One | Personal credit cards | Unclear — not self-confirmed | Unclear | N/A | Unknown | Unknown | Unknown — ask the issuer | capitalone.com | 2026-07-21 |
| Bank of America | Public online consumer credit card application | No, in reviewed online flow | SSN requested; ITIN confirmed only for certain deposit accounts, not credit cards | No deposit (unsecured) | Soft prequalification available | Unknown | Issuer requires SSN, confirmed | bankofamerica.com | 2026-07-21 |
| Wells Fargo | Retail credit card application | ITIN accepted | SSN or ITIN | No deposit (unsecured) | Unknown | Unknown | Confirmed, issuer disclosure | wellsfargo.com | 2026-07-21 |
| Petal | Petal Card | ITIN accepted | SSN or ITIN, must be U.S. resident | None (unsecured) | Reported no-credit-score option | Unknown | Confirmed — issuer states it | support.petalcard.com | 2026-07-21 |
| OpenSky | Secured Visa | ITIN accepted | SSN or ITIN | $200+ refundable | No credit check | Equifax, Experian, TransUnion | Confirmed — multiple independent reviews | Firstcard review | 2026-07-21 |
| Self | Self Visa Secured Credit Card | No, ITIN-only path not available | SSN required; must confirm U.S. citizenship or permanent residency | Secured via Credit Builder Account | No hard credit inquiry | Equifax, Experian, TransUnion | Issuer requires SSN, confirmed | self.inc | 2026-07-21 |
| Zolve | Zolve Credit Card | Yes, via alternative-document route (not ITIN specifically) | Passport plus visa and I-20 or employment documentation | None | Unknown | Equifax, Experian, TransUnion | Confirmed — issuer states it | zolve.com | 2026-07-21 |
| Firstcard | Secured Credit Builder Card | ITIN accepted | SSN or ITIN; without SSN, passport plus U.S. visa or ITIN | Secured, deposit-backed spending | No credit check or hard inquiry | Equifax, Experian, TransUnion | Confirmed — issuer states it | firstcard.app | 2026-07-21 |
| Nomad Credit | U.S. Credit Card (without SSN/ITIN) | Yes, for qualifying international students only | Valid passport, I-20, and valid U.S. student visa — no SSN or ITIN needed | None | Credit check conducted, type undisclosed | Equifax, Experian, TransUnion | Confirmed — issuer states it | nomadcredit.com | 2026-07-21 |
| Mission Lane | Green Line Visa | ITIN accepted | SSN or ITIN | None (unsecured) | Soft-pull prequalification; hard pull only after accepting an offer | Equifax, Experian, TransUnion | Confirmed, issuer disclosure | missionlane.com | 2026-07-21 |
| Current | Build Card | No, ITIN-only applicants cannot open the required account | Requires a U.S. SSN to open the prerequisite Current Individual Account | None separately (spending limited to account funds) | No credit check | Equifax, Experian, TransUnion | Issuer requires SSN, confirmed | support.current.com | 2026-07-21 |
| Kikoff | Secured Credit Card | Product status unresolved — do not rely on | Kikoff's platform messaging says ITINs accepted, but card availability is internally contradictory | Conflicting issuer information | No hard inquiry (per signup flow) | All three, if card is actually active | Unknown, conflicting issuer pages | kikoff.com | 2026-07-21 |
| PenFed | Consumer credit card application | ITIN accepted | Direct application field allows SSN or ITIN | None for reviewed unsecured cards; credit union membership required | Consumer-report authorization, type not labeled | Unknown | Confirmed, issuer disclosure | penfed.org | 2026-07-21 |
| Navy Federal | Credit card portfolio incl. cashRewards Secured | Unknown at the card level | Prequalification pulls SSN from member profile; card-level ITIN substitution not confirmed | $200 min. for cashRewards Secured | Soft prequalification; hard pull on formal application | Unknown | Unknown, not publicly stated | navyfederal.org | 2026-07-21 |
| Alliant Credit Union | Visa Signature and Visa Platinum | Unknown at the card level | ITIN confirmed for membership; card application does not restate ITIN acceptance | None for reviewed unsecured products | Soft prequalification; full pull if offer accepted | Unknown | Unknown, not publicly stated | alliantcreditunion.org | 2026-07-21 |
| Patelco Credit Union | Pure Secured Mastercard | No | SSN, U.S. address, and U.S. checking or savings account required | $300–$5,000 | Unknown | Unknown | Issuer requires SSN, confirmed | patelco.org | 2026-07-21 |
How we verified this
A positive verdict required direct evidence from an issuer's own application, product page, FAQ, help center, or formal disclosure — never a listicle or roundup alone. Membership eligibility, checking-account eligibility, and generic immigrant-credit articles were not treated as proof that a specific card itself accepts an ITIN. Where an issuer's own pages contradicted each other (Kikoff), the conflict was preserved and the verdict downgraded to Unknown rather than resolved by assumption. Where a claim traced only to third-party reporting rather than the issuer directly, it's labeled Reported, unconfirmed rather than upgraded to Confirmed. Recommended refresh cadence: fintech and newcomer products every 30 days, mainstream-bank applications every 60-90 days, and any issuer immediately after new Treasury, FinCEN, CFPB, OCC, FDIC, or NCUA guidance.
Frequently Asked Questions
Which credit card issuers actually accept an ITIN instead of an SSN?
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. Zolve and Nomad Credit accept alternative newcomer or student documentation without requiring an ITIN specifically. This changes over time — always confirm on the issuer's current application before applying.
Does Bank of America accept an ITIN for a credit card?
Not in its public online credit card application, which requests a Social Security number. Bank of America does accept ITINs for certain deposit accounts opened in person, but that's a separate product — it isn't evidence the credit card application accepts one.
Is OpenSky's ITIN acceptance officially confirmed by OpenSky itself?
OpenSky's own FAQ page doesn't explicitly spell it out, but multiple independent, detailed reviews consistently and specifically describe SSN-or-ITIN as an eligibility requirement, which is strong convergent evidence even without a single clean issuer sentence.
What did the 2026 executive order actually change for ITIN credit card applicants?
The May 19, 2026 order directed regulators to treat ITIN use in place of an SSN as a possible risk factor requiring extra scrutiny — specifically for applicants who lack verified lawful immigration status. A June 5, 2026 FinCEN advisory followed, encouraging enhanced due diligence rather than mandating a ban. Visa holders, students, and others with verified lawful status are generally outside the order's stated target population, though issuers may still apply more document verification broadly during the rollout.
Can a credit union card be a good option for an ITIN holder?
PenFed is the clearest credit union option — its actual card application contains an ITIN field. Navy Federal and Alliant confirm ITIN acceptance at the membership level but don't clearly confirm it at the card level, so membership eligibility shouldn't be assumed to mean card eligibility.