Need 3rd Card Advice Using ITIN without SSN

Anonymous · ‎06-30-2019

I would appreciate some advice on a good credit card to apply for using just my ITIN. I have 2 Bank of America Cash reward cards with SLs of $1000 and $4500. Got the fiorst card in December last year and the second last week. My Fico8 score is 738. No late payments.

Any advice would be apprciate.

MrCreditInternational · ‎06-30-2019

You can apply to both Amex and Deserve Pro without an SSN.

With Amex you’ll have to call to apply, and I would strongly recommend going with a charge card like the Gold since it is an amazing card and probably easier to get approved for compared to other credit cards.

With Deserve you can apply online but you’ll have to send a picture of your bank balance and you’ll probably get approved for a small amount (~500$)

Edit: I think Citi and Cap1 accept applicants with ITIN

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018

jonsnow3130 · ‎06-30-2019

My wife has ITIN and she has the following cards
1. PayPal Mastercard ($10K)
2. CapitalOne Platinum Mastercard ($3k)
3. JCPenny ($10K)
4. Bofa ($3K)
5. Amex Blue Cash ($12K)
6. Amex Everyday Cash Rewards ($12K)

For CapitalOne and Amex cards, after applying we had to manually call in and verify the details.

Anonymous · ‎06-30-2019

@MrCreditInternational wrote:
You can apply to both Amex and Deserve Pro without an SSN.

With Amex you’ll have to call to apply, and I would strongly recommend going with a charge card like the Gold since it is an amazing card and probably easier to get approved for compared to other credit cards.
With Deserve you can apply online but you’ll have to send a picture of your bank balance and you’ll probably get approved for a small amount (~500$)

Edit: I think Citi and Cap1 accept applicants with ITIN

Thanks for the very helpful advice.

Anonymous · ‎07-01-2019

@jonsnow3130 wrote:
My wife has ITIN and she has the following cards
1. PayPal Mastercard ($10K)
2. CapitalOne Platinum Mastercard ($3k)
3. JCPenny ($10K)
4. Bofa ($3K)
5. Amex Blue Cash ($12K)
6. Amex Everyday Cash Rewards ($12K)

For CapitalOne and Amex cards, after applying we had to manually call in and verify the details.

Thanks for the great advice you provided.

I applied for the Amex Blue Cash Everyday credit card yesterday and got approved for 5k. I also applied for the CapitalOne Platimun card yesterday and got a message that the application was being processed and I will be informed of the status soon. Hopefully, that gets approved too.

Thanks again!