Get a credit card without an SSN.
We designed a credit card for immigrants without an SSN. If you've just arrived in the U.S. and don't have an SSN or ITIN, you can apply with your passport.
Firstcard® Secured Credit Builder Card
Get a credit card without a social security number
Get a credit card without a social security number
No SSN? Start with your passport.
Firstcard has helped many
EXPATS
IMMIGRANTS
Students
Non-US Citizens
get a credit card without an ssn
We know your creditworthy. Let's show it to the world.
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credit building made easier
Make every purchase count towards better credit by using your Firstcard. Build credit effortlessly as you dine, shop, and enjoy your everyday activities.
Why Firstcard Is a Great Credit Card for People With No SSN
Many financial institutions require a Social Security Number (SSN) to approve credit applications. This makes it significantly harder for those without one to get a credit card. Firstcard makes getting a credit card accessible by approving applications with a Passport or ITIN instead. Learn more about why Firstcard is a great credit card for people with no SSN below:
- You're Pre-Approved:
Many credit card issuers in the U.S. require a SSN to verify your identity and report your credit activity. Firstcard is an excellent credit card for people with no SSN because Firstcard removes this hurdle by pre-approving applicants with who apply with just a passport or ITIN. - 0% APR:
APR determines how much interest you'll pay if you are unable to pay off your balance. Firstcard is a great credit card for people with no SSN, who may be newer to credit building, as there is zero risk of accumulating debt due to unpaid balance. - Earn APY:
Many traditional credit cards do not enable users to earn APY. Firstcard is an excellent credit card for people with no SSN who have an ITIN, as Firstcard users who apply with ITIN can earn 4.00% APY with Firstcard Premium. - No Credit Limit:
Oftentimes when people with no SSN get a traditional credit card, their credit limit is too low to cover everyday expenses. Firstcard wanted to change this to ensure that people with no SSN are able to spend as they wish without negatively impacting their credit score. - Build Credit:
With Firstcard, your responsible credit use is reported to all three major credit bureaus (Equifax®, Experian®, and TransUnion®) which helps users with no SSN build credit. Firstcard is a great credit card for users with no SSN since you are able to increase your credit score nearly 500 points in just 1 year with responsible use.
Start your journey in the u.s. the right way with better credit
Start your journey in the u.s. the right way with better credit
Get 1% unlimited Cashback with Firstcard Premium
Whether it's coffee, groceries, dining, or online shopping, enjoy unlimited 1% cashback on every purchase you make domestically.
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Earn up to 4.00% APY 1 on your money
The national average interest rate on savings accounts is 0.42% APY 12.
We are not greedy. We want to offer our members a much better rate so they can grow their money faster.
Currently users without SSN are not eligible for APY. To earn APY, apply for an Individual taxpayer identification number (ITIN). We've partnered with an IRS-Certified Acceptance Agent to help you get your ITIN. Apply for an ITIN here today!
APY
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premium
4.00%
Chase
0.01% 6
Bank of America
0.01% 7
Wells Fargo
0.01% 8
What is an APY?
Jumpstart your credit journey and build a better tomorrow
Jumpstart your credit journey and build a better tomorrow
Security & support you can trust
Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
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Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.
Questions From People With No SSN
Is it even possible to get a credit card without a Social Security Number?
Yes, you can get a credit card without a Social Security Number. Typically people searching for a credit card without a social security number would include recent or future immigrants, international students, and expats. You can get a credit card without an SSN from some secured credit card providers such as Firstcard. Firstcard does not require an SSN for a credit card if you have an ITIN or passport.
What alternatives are there to a Social Security number?
- Individual Taxpayer Identification Number (ITIN): This IRS-issued number can be used instead of a Social Security number for various purposes, including credit card applications.
- Passport: With Firstcard, we allow users to apply for our secured credit card with a passport.
Where can I find credit cards that don't require a Social Security number?
- ITIN-friendly issuers: Research banks or credit card companies known to accept ITINs
- Cards with relaxed requirements: Some issuers like Firstcard may offer secured cards or student cards with less stringent application processes.
What are the drawbacks of getting a credit card without a Social Security number?
- Limited choices: You may have fewer credit card options compared to applicants with Social Security numbers.
- Requirement of security deposits: Secured cards, often used to build credit, typically require a cash deposit as security
- Potential for higher interest rates: Cards issued without a Social Security number may come with higher interest rates due to the perceived increased risk by the issuer.
How can I build credit without a Social Security number?
- ITIN credit reporting agencies: Some credit bureaus offer credit reporting products specifically for ITIN holders
- Become an authorized user:Get added as an authorized user on someone else's credit card in good standing. Their positive credit history can improve yours
- Non-credit alternatives: Make on-time payments for rent, utilities, and other bills. Some services can report this activity to credit bureaus, potentially improving your credit score.
Our Users Love Us
My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
Bella H.
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
The best credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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
My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
Bella H.
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
The best credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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
