Can DACA Recipients Get Credit Cards?
Yes. DACA (Deferred Action for Childhood Arrivals) recipients can absolutely apply for and receive credit cards in the United States. With a valid Social Security Number and Employment Authorization Document (EAD), you're eligible to apply at most major banks and credit card issuers.
Many DACA recipients worry that their immigration status will prevent them from accessing financial products, but the reality is that banks primarily care about your creditworthiness — your income, credit score, and payment history — rather than your specific visa or immigration category.
What You'll Need to Apply
To apply for a credit card as a DACA recipient, you'll need a Social Security Number (SSN), which you can obtain with your EAD work permit. You'll also need a valid government-issued photo ID and proof of income or employment. Some banks accept an ITIN if you don't have an SSN, though options are more limited.
If you're just starting out and don't have a US credit history, that's okay. Several card types are designed specifically for people building credit for the first time.
Best Card Types for DACA Recipients
Secured credit cards are often the easiest starting point. You provide a cash deposit (typically $200 to $500) that becomes your credit limit. Cards like the ones in our best secured credit cards guide don't require existing credit and report to all three bureaus.
Credit builder loans are another great option. A credit builder loan sets aside a small amount in a savings account while you make monthly payments. Each payment is reported to the credit bureaus, building your score over time.
Student credit cards work well for younger DACA recipients enrolled in college. These cards have lower requirements and are designed for people with little or no credit history. Check out credit cards for college students for specific options.
Banks Known to Work With DACA Recipients
Most major national banks will accept applications from DACA recipients with a valid SSN. Bank of America, Chase, Wells Fargo, Citi, and Capital One all process applications based on financial qualifications rather than immigration status. Credit unions in your local community may also be welcoming and sometimes offer additional support for newcomers.
Online-only banks and fintech companies have also expanded access. Many of these accept applications with fewer documentation requirements and faster processing times.
Building Credit as a DACA Recipient
Once you have your first credit card or credit builder product, focus on the fundamentals. Pay every bill on time — payment history makes up 35% of your credit score. Keep your credit utilization below 30% of your available credit.
Consider becoming an authorized user on a trusted family member's credit card. Their positive payment history can appear on your credit report and give your score a boost.
You can also report rent payments to credit bureaus through rent reporting services, adding another positive tradeline to your credit profile.
Protecting Your Financial Information
As a DACA recipient, it's important to protect your personal information. Only apply for credit through official bank websites or in-person at branches. Be cautious of anyone claiming to guarantee approval for a fee — these are often scams. Check your credit score for free regularly to monitor your progress and catch any unauthorized activity.
A Starter Card Built for This Profile
The Self Visa Credit Card is a popular starter option for DACA recipients — it accepts applicants with a valid SSN (which most DACA holders have) and has high approval rates without requiring established credit.
Frequently Asked Questions
Can DACA recipients get a credit card without an SSN?
Most DACA recipients have a Social Security number issued under their work authorization. If you have an SSN, you can apply for any standard credit card. Those without one typically use an ITIN and apply to issuers that accept ITIN applications.
Which banks accept DACA recipients?
Most major issuers — including Capital One, Discover, Chase, Citi, and American Express — accept applicants with an SSN regardless of citizenship status. Approval depends on credit history and income, not immigration status.
Do DACA recipients need to be 21 to apply?
No. The minimum age is 18 for any applicant. Between 18 and 21, you must either show independent income or have a cosigner, depending on the issuer's policies.
Will applying for credit affect my DACA status?
No. Credit applications are entirely separate from immigration status. Banks do not report applications or account information to USCIS.
Learn more about building credit with Firstcard.
