How to Apply for a Credit Card with an ITIN



January 6, 2023

ITIN Credit Cards

If you're looking for information on how to get a credit card with an ITIN, we've put together this blog post to provide an overview on how to go about applying for a card with just your ITIN.

Building credit without a Social Security Number (SSN) can be quite difficult, but it isn't impossible. Many credit card issuers accept an individual taxpayer identification number (ITIN) as part of their approval process. An ITIN is a tax processing number assigned by the Internal Revenue Service (IRS) to individuals who are not eligible for a Social Security Number (SSN).

Given many, though not all credit card companies accept an ITIN, this means you will need to do some research to learn which issuers allow you to use your ITIN. Yendo, for example, does accept those with an ITIN, so you have the opportunity to apply and get up to $10k in revolving credit.

How to get a credit card with an ITIN

Generally, here is how you can attempt to get a credit card with an ITIN. Keep in mind that not all credit card issuers accept ITINs, and the application process may vary depending on the issuer. Before applying, make sure to research the specific requirements and guidelines of the credit card issuer to increase your chances of approval.

  1. Check your eligibility: Some banks and credit card issuers accept ITINs for credit card applications, while others require an SSN. Research which banks accept ITINs, and review their credit card options to find one that suits your needs.
  2. Establish a credit history: If you don't have a credit history in the U.S., it may be challenging to get approved for a credit card. Start by opening a bank account, preferably a checking account, in your name. You may also consider applying for a secured credit card, which requires a cash deposit as collateral, or becoming an authorized user on someone else's credit card to build your credit history.
  3. Gather required documents: You'll need to provide proof of identity, such as a valid passport or driver's license, and your ITIN when applying for a credit card. You might also need to provide proof of income and proof of residency, such as utility bills or a lease agreement.
  4. Complete the application: Once you have gathered the required documents, you can complete the credit card application either online, over the phone, or in-person at a local branch of the bank or credit card issuer. Be prepared to provide your ITIN, personal information, employment details, and financial information.
  5. Wait for approval: After submitting your application, the issuer will review your information and check your credit history. This process may take a few days to a few weeks. If approved, you will receive your credit card and a credit limit based on your creditworthiness. If denied, the issuer will provide a reason for the denial, and you may consider other ways to build your credit history before reapplying.
  6. Use your credit card responsibly: Once you receive your credit card, make sure to use it responsibly. Pay your bills on time, keep your credit utilization low, and monitor your credit report to build a strong credit history.

The Yendo Card

Yendo is the first credit card that's backed by the value of your car. The card can provide access to credit for those who might not be able to qualify for other credit cards. It's a real credit card, powered by Mastercard, that provides credit limits from $450 - $10,000, depending on the value of your car. So, rather than re-applying for loans, for example, you can access funds an ongoing basis and, with responsible usage like on-time payments, build your credit too.

Features & benefits

  • Credit limit - access up to $10k in credit
  • App - the Yendo app lets you manage your account, wherever you are
  • Virtual card - access a portion of your credit limit prior to getting your physical card in the mail with the Yendo virtual card. Use your virtual card in addition to your physical card
  • Cash advances - ability to do cash advances on your card if you need to access money quickly
  • Access to revolving credit – you’ll have a revolving line of credit that opens up as you make payments
  • Credit reporting – all your account activity will be reported to the credit bureaus, giving you the perfect opportunity to build your credit


Generally, it's important to note some credit card issuers that accept ITIN numbers may deny your application if you don't have a credit history. A back-up option is to apply for a secured credit card to establish that history and eventually apply for and potentially be approved for an unsecured credit card.

Additional resources