Features
Credit for all
Learn
Plans
About
Help Center
Get Started
APY
Build Credit
Earn Cashback
Features
Credit For All
About
Plans
Learn
Help Center
Firstcard® Secured Credit Builder Card
Info

Get a Credit Card with ITIN

Get a Credit Card with ITIN

Discover how to get a secured credit card with your ITIN number in the US. Build your credit today.

What is an ITIN number?

An ITIN is a 9-digit Tax ID issued by the Internal Revenue Service (IRS) to individuals like immigrants and internationals who do not have a Social Security Number (SSN) so they can file taxes, apply for a credit card with ITIN, build credit with ITIN and access other financial opportunities.

Why should every immigrant get a credit card with ITIN Number?

Get a credit card with ITIN
Build credit
with ITIN
Buy a car with better car loan offers
Own a house with lower mortgage rates

Get a Credit Card with an ITIN at firstcard

  • Apply with your passport and ITIN number
  • No credit pull or credit history required
  • Start building credit history as soon as your arrive America
  • Unlock access to loans, cars, houses and much more once you start building credit
Get Started
You’re pre-approved.
Apply today! No hard credit check needed.

You can build your credit and get a credit card with ITIN in the US, 
even if you don‘t have an SSN.

You can build your credit and get a credit card with ITIN in the US, 
even if you don‘t have an SSN.

Apply Firstcard with ITIN

Security & support you can trust

Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Insured up to $250,000
Money in your Firstcard account is insured up to the maximum amount of $250,000 through our bank partner Regent Bank, a member of FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

Questions About itin

Can I apply for a credit card with an ITIN online?

Yes, you can apply for a credit card with an ITIN online. Firstcard allows ITIN holders to complete the credit card application process online.

What are the challenges of getting a credit card with an ITIN?

There are several challenges to getting a credit card with an ITIN. Here are some key challenges:

  1. Limited Credit Card Options
  2. Higher Interest Rates (APR)
  3. Verification Challenges

Despite these challenges, some financial institutions, including Firstcard, offer credit cards with ITIN to help you build credit, even without a Social Security Number. With Firstcard, you actually get 0% APR and they make the verification process so easy for everyone. On top of building credit, Firstcard also provides additional benefits such as cashback offers and high-yield savings accounts.

Do I need a credit history to get a credit card with an ITIN?

No, you do not need a credit history to get a credit card with an ITIN. Many financial institutions, including Firstcard, offer credit cards designed for individuals who are new to credit or have no credit history, allowing you to start building credit from scratch.

Can I get a credit card with an ITIN instead of an SSN?

Yes, you can get a credit card with an ITIN instead of an SSN, including through Firstcard. Firstcard accepts ITINs for credit cards, making it easy for individuals without a Social Security Number to apply for a credit card and start building credit.

Can I earn APY with ITIN with Firstcard?

Yes, you can earn APY with an ITIN through Firstcard. Firstcard allows individuals with an ITIN to open accounts and access various financial benefits, including earning interest on savings. 

Here’s how it works:

  • Open an Account with ITIN: You can apply for a Firstcard account using your ITIN if you don't have a Social Security Number (SSN). Here is an article on How to get an ITIN. 
  • Earn APY: Once your account is open, you can start earning Annual Percentage Yield (APY) on your savings, just like any other Firstcard user.
  • Build Credit with ITIN: In addition to earning APY, Firstcard also helps you build credit with your ITIN, offering you a path toward financial stability and growth.

By using your ITIN, you can take advantage of Firstcard's offerings, including earning APY on your savings while building credit at the same time.

our users love us

Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.

Boris M.
The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier. The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.

Boris M.
The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier. The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G

Invest in your future

Start building credit today

Get Started
Get Started
Company
About UsLearnFeesScholarship
Legal & Regulatory
Terms of useDisclosuresPrivacy PolicyCashback ProgramReferral Program PolicyMarketing Campaign TermsSecurity at Firstcard
Contact Us
FAQsupport@firstcard.app
Follow
© 2024 Firstcard. All rights reserved.
FTC

Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Valid for 18+ and subject to account approval. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.

Forbes Featured Partner:  https://www.forbes.com/advisor/credit-cards/best/international-students/

Time Featured Partner:  https://time.com/personal-finance/article/best-credit-cards-for-students/

CNN Featured Partner:  https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students

2 

Valid for 18+ and subject to account approval. Pre-approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: you provided incorrect information or we are unable to verify your identity under federal law; you are under 18 years old.

‍

2 

Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See firstcard.app/cashback-policy.

‍

2 

Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has settled in the entrant's Firstcard account. This purchase may, but not necessarily, include tips, holds, and deposits related to the qualifying purchase. Additionally, the following transaction categories are NOT qualifying purchases and will not be eligible to earn entries into random cashback: ATM withdrawals, wire transfers or cash transfers, purchasing gift cards or other cash equivalents, gambling or online casino, peer-to-peer (P2P) transfers, such as Venmo, Cash App, transfers between Firstcard users, or similar services, gambling, bill payment, prepaid phone recharge and any other transaction types that we may deem ineligible at our sole discretion. See firstcard.app/random-cashback-policy.

2 

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 7, 2024. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Firstcard Standard members are eligible for 0.75% APY. Firstcard+ members are eligible for 2.00% APY. Firstcard Premium members are eligible for 4.00% APY. Annual fees and other fees may impact your yield.

‍

2 

Firstcard Premium customers will earn an additional 1% unlimited cashback on all eligible credit card purchases. Exclusions apply. Cashback rewards are not earned on ATM withdrawals, P2P transfers, purchases of gift cards or other cash equivalents, and certain other types of transactions as determined by Firstcard. Cashback is awarded within 7 days of the eligible transaction posting to your account. No minimum balance required to earn cashback.

‍

2 

Data pulled from Chase Bank as of November 7, 2024: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

Data pulled from Bank of America as of November 7, 2024: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

‍

2 

Data pulled from Wells Fargo as of November 7, 2024: https://www.wellsfargo.com/checking/prime/

‍

2 

Data pulled from Discover It Secured Credit Card as of November 7, 2024: https://www.discover.com/credit-cards/secured/

‍

2 

Data pulled Chase Freedom Unlimited credit card from as of November 7, 2024: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Data pulled from Bank of America Secured Credit Card as of November 7, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

2 

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of November 7, 2024). https://www.fdic.gov/resources/bankers/national-rates/.