AnswerLast updated: 2026-10-31By Valentin

Can you get a US credit card with an ITIN and no SSN?

Short answer

Not a traditional consumer card from a major bank, because those are built on credit bureau files tied to an SSN. A business charge card issued through your US LLC's bank account is the route that works, and it typically asks for your passport and business documents rather than an SSN.

Why the consumer route closes

Consumer underwriting pulls a personal credit file. With no SSN there is usually no file to pull, so the application has nothing to score. An ITIN does not open that door on its own.

What opens instead

Providers that underwrite against the business account balance rather than a personal score. No personal credit check, no SSN, and the card reports to business bureaus rather than personal ones.

Sources

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Disclaimer: This answer is educational, based on hands-on experience helping founders access the US financial system. It is not legal, tax, or financial advice. Rules and issuer policies change. Consult a US-licensed CPA or attorney before acting.