No SSN?
Here's your path.

Firstcard Secured Credit Builder

Firstcard

• Passport or ITIN accepted — no SSN required
• No hard credit inquiry, no US credit history needed
• FDIC insured, Mastercard Zero Liability fraud protection

Builds credit toward future unsecured cards

Capital One Platinum Secured

Capital One

• ITIN accepted in place of SSN
• Low minimum deposit — $49, $99, or $200 depending on creditworthiness
• Reports to all 3 credit bureaus; free CreditWise monitoring included

May automatically upgrade to unsecured Platinum after 6 months of on-time payments

Petal 2 "Cash Back, No Fees" Visa

Petal

• ITIN accepted; evaluates bank account activity instead of credit score
• 1% cash back immediately, up to 1.5% after 12 months of on-time payments
• No late fees, no foreign transaction fees, no annual fee

Capital One Quicksilver Student Cash Rewards

Capital One

• ITIN accepted for F-1/J-1 students; proof of enrollment required
• Unlimited 1.5% cash back on every purchase, no cap
• No foreign transaction fees — great for international transfers

American Express (Global Card Transfer)

American Express

• Transfer your existing Amex account from your home country to a new US card
• Must have held your home-country Amex card for at least 3 months in good standing
• Supported countries include Canada, UK, Australia, India, Mexico and more