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You can apply for a Chase credit card with an ITIN number, but there are some requirements you need to meet.
Chase will verify your identity and residency through a third-party service, which may request additional documentation.
If you're a non-resident alien, you can still apply for a Chase credit card with an ITIN number, but you'll need to provide a valid foreign passport and a completed W-8BEN form.
To qualify for a Chase credit card with an ITIN number, you'll typically need to have a good credit history, a stable income, and a valid address.
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What Is an ITIN?
An ITIN is a unique tax-processing number issued by the Internal Revenue Service (IRS) for those who pay taxes but are not eligible for an SSN.
The IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security number (SSN) from the Social Security Administration (SSA).
You can get an ITIN by filing IRS form W-7.
The number is only for tax purposes, but many lenders will accept an ITIN in place of an SSN.
For more insights, see: Discover Credit Card No Ssn
Applying for a Chase Credit Card
You can apply for a Chase credit card with an ITIN, but it's essential to understand the process. The application process for those with an ITIN instead of an SSN is essentially the same.
You'll need to choose a card and input your ITIN in the field that asks for an SSN. Chase is known to allow applicants to apply for credit cards with an ITIN, especially for secured cards or student cards.
To apply, you can try to call Chase or go into a branch if there is not a clear option to input the ITIN in their online application in place of an SSN.
Chase accepts ITIN in place of SSN, so you can use your ITIN to apply for a credit card.
Here's a quick rundown of the major credit card issuers' policies:
Keep in mind that issuers can't deny you for applying with an ITIN, but they can deny you for lack of credit history.
Understanding the Application Process
Applying for a Chase credit card with an ITIN is possible, but you'll need to start by building credit with a secured card. This can be done by obtaining a secured credit card, which requires a deposit to secure the line of credit.
You'll need to input your ITIN in the field that asks for an SSN on the Chase credit card application. If there isn't a clear option to do so, you can try calling the bank or going into a branch.
Here are some major credit card issuers' policies on accepting ITINs in place of SSNs: IssuerAccepts ITIN in place of SSN?ChaseYesBank of AmericaYes; also accepts passport numberCapital OneYesCitiYesTD BankYes, but only for select secured cardsU.S. BankYes, but only for select secured cardsWells FargoYes, but only for select secured cards
Discover more: American Express Credit Card with Itin Number
Submitting Your Application
You can submit your application for a credit card with an ITIN, which is essentially the same process as applying with a Social Security number (SSN). However, you'll need to choose a card that accepts ITINs.
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To apply, you'll need to input your nine-digit ITIN in place of your SSN on the application. Some credit card issuers, like American Express and Bank of America, accept ITINs and even passport numbers.
You can apply for any American Express personal credit cards online with an ITIN, if you have credit history in one of the following countries: Australia, Brazil, Canada, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Switzerland, or the U.K.
If you're applying with an ITIN, be aware that issuers can't deny you for applying with an ITIN, but they can deny you for lack of credit history. To build credit, you can obtain a secured credit card, which requires a deposit to secure the line of credit.
Here's a list of major credit card issuers that accept ITINs:
TD Bank and U.S. Bank also accept ITINs, but only for select secured cards.
Scores & History
Applying for a credit card with an ITIN can be a bit more challenging than with a Social Security number, but it's not impossible.
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You can apply for a credit card using your ITIN, and issuers can't deny you for applying with an ITIN alone.
However, they can deny you for lack of credit history, which is why it's essential to start building credit from scratch.
You can do this by obtaining a secured credit card, which is easy to qualify for even with no credit history.
To get a secured credit card, you'll need to make a deposit to secure the line of credit.
With a secured credit card, you can start building your U.S. credit history by making consistent on-time payments and keeping your credit utilization low.
By doing so, you can establish a U.S. credit score in as little as a few months.
Your credit score will be tracked, even without an SSN, as long as you provide specified personal information like your name, birth date, and address.
This means you can start building your credit history without an SSN, and it's not necessary to have one to establish a U.S. credit score.
However, keep in mind that your credit score won't be tracked at the same level as it would be with a SSN.
Additional reading: Credit Cards That Don't Require Ssn
Chase Credit Card Offers
If you're looking to apply for a Chase credit card with an ITIN number, the good news is that Chase does accept ITINs in place of a Social Security number. In fact, according to Chase's policy, they do accept ITINs.
To get approved for a Chase credit card, you'll need to meet their credit requirements, but having an ITIN is a good start. If you're a foreign national business owner, you can also use your ITIN to apply for an employer identification number (EIN) on the IRS website.
Chase has a range of credit card options available, including unsecured cards and secured cards. If you're new to credit, a secured card is a great way to start building your credit history.
Here are some Chase credit card offers that you can consider:
Remember, using a credit card responsibly and paying it off on time and in full is key to building a good credit score. This will make it easier to apply for a Chase credit card in the future.
Sources
- https://www.bankrate.com/credit-cards/advice/apply-for-credit-card-itin/
- https://www.firstcard.app/credit-card/itin
- https://www.nerdwallet.com/article/credit-cards/apply-credit-card-itin-number
- https://www.novacredit.com/resources/how-to-apply-for-a-credit-card-with-an-itin
- https://www.doctorofcredit.com/complete-guide-to-itins-applying-for-credit-cards-credit-reports-credit-scores/
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