
If you're an estudiante or adult looking for a credit card without the need for a social security number, there are options available. Some credit card issuers offer alternative identification methods, such as a valid passport or driver's license.
For example, some credit cards are designed specifically for international students or individuals without a social security number. These cards often have unique features and benefits tailored to their target audience.
These credit cards can be a great option for those who want to establish credit without the need for a social security number.
¿Puedo Solicitar Una Tarjeta Crédito?
You can't apply for a credit card in the US without a Social Security Number (SSN), as most banks and credit card issuers require it to verify your identity and prevent fraud.
The Patriot Act of 2001 makes it mandatory for banks to track and report suspicious activity, making it even harder to get a credit card without an SSN.
However, there are some exceptions and alternatives. American Express and Citibank are two popular credit card issuers that don't require an SSN, but you'll still need to provide other identification documents.
If you don't have an SSN, you can consider using an Individual Taxpayer Identification Number (ITIN) as an alternative. This is a common requirement for credit card issuers that accept applications without an SSN.
To apply for a credit card without an SSN, you'll likely need to provide a copy of your passport and/or visa, as well as proof of a relationship with the bank, such as an existing checking or savings account.
Keep in mind that even with these alternatives, you'll still need to meet the credit card issuer's requirements and creditworthiness standards.
Mejores Opciones de Tarjetas
American Express and Citibank are the two top emitters that offer the best credit cards without a Social Security number. They consider your credit activity outside of the US.
You'll need a form of identification to verify your personal info, but this can vary depending on the entity you apply to. An ITIN number is often requested if you don't have a SSN, and getting one can take little time.
These are not the only options, but they're the best ones available.
Can I Get the Best Credit Cards?
You can get the best credit cards, but it's not always easy. Banks generally require a social security number to apply for a credit card, but there are some exceptions.
American Express and Citibank are two issuers that offer the best credit cards without a social security number. They also consider your credit activity outside of the US if you're a non-resident.
If you don't have a social security number, you might be asked for an ITIN number instead. Getting an ITIN number can take some time, but it's a relatively straightforward process.
These aren't the only options for credit cards without a social security number, but they're some of the best.
Capital One Platinum: Mejor Tarjeta de Crédito
The Capital One Platinum is a top contender for the best credit card without a Social Security number. It has an APR of 29.74%.
This card has no annual fee, which is a huge plus. And, you can get approved in seconds.
One of the standout features of this card is its approval process - you can get approved in seconds.
You'll also get access to CreditWise, which allows you to check your credit score for free.
Here are some key benefits of the Capital One Platinum:
- No annual fee
- Approved in seconds
- Access to CreditWise for free credit score checks
- No foreign transaction fees
This card is a great option for those who want a simple and hassle-free credit card experience.
Capital One SavorOne Student: Mejor Tarjeta Para Estudiantes
The Capital One SavorOne Student is a great option for students without a Social Security number in the US. This card is specifically designed for students and has flexible application conditions, making it an ideal choice for those who want to build their credit score.
The APR ranges from 19.24% to 29.24%, which is higher than other cards. However, it's worth noting that this card doesn't have an annual fee, which is a plus.
One of the benefits of this card is that it reports to the major credit bureaus, making it a great way to build credit. It also offers a $50 reward for every $100 spent in the first three months, which can be a nice incentive.
Here are some key benefits of the Capital One SavorOne Student card:
- No annual fee
- 3% cashback in some categories
- $50 reward for every $100 spent in the first three months
- Reports to major credit bureaus
Keep in mind that this card is designed for students without a Social Security number, so it's a great option for those in this situation.
Tarjetas de Fácil Aprobación en EE.UU.
If you're looking for a tarjeta de crédito with easy approval in the US, there are a few options worth considering. For instance, the OpenSkyPlus requires a postal address and a daily security deposit of at least $300.
Another option is the First Progress Platinum Elite, which offers 1% cash back on payments and is designed for those with limited or no credit history. The Petal 2 Visa is also a good choice, as it's specifically designed for those without a credit history and has no annual fee.
The Capital One Platinum is another option, which has no annual fee and reports to the three major credit bureaus. This makes it a good choice for those who want to build their credit history. If you're unsure about which option to choose, you can always check with the bank directly for more information.
Here are some of the key features of these easy approval tarjetas:
Remember, these are just a few examples of easy approval tarjetas, and there may be other options available to you. Always do your research and carefully review the terms and conditions before applying.
Otras Opciones de Tarjetas
If you're having trouble getting approved for a credit card due to a lack of social security number, there are still some options available to you.
You can consider applying for a prepaid credit card, which doesn't require a credit check or social security number.
Prepaid credit cards are loaded with a specific amount of money, and you can use them to make purchases online or in-store.
Another option is a debit card, which is linked to your bank account and can be used for everyday transactions.
Debit cards often come with rewards and benefits, such as cashback or purchase protection.
Some credit card issuers also offer credit cards for international students or individuals without a social security number, which can be a good alternative.
These credit cards typically have higher interest rates and fees, but they can still provide a way to build credit and make purchases.
Consejos y Requisitos
To get a tarjeta de crédito sin social, you'll need to meet certain requisitos. You must be at least 18 years old, which is the basic requirement for any tarjeta de crédito in the United States.
To increase your chances of approval, it's also a good idea to have a good historial crediticio. This means you should have a good puntaje crediticio, which will allow you to access better beneficios.
To apply for a tarjeta de crédito, you'll need to reúna la documentación necesaria, such as your identificación and proof of ingresos. Here are the general documents you'll need to gather:
- Identificación (such as a passport or driver's license)
- Proof of ingresos (such as a pay stub or tax return)
To use your tarjeta de crédito responsibly, start with a tarjeta de crédito básica if you have a limited historial crediticio. This will allow you to build credit without overspending.
Requisitos
To get a credit card, you need to meet some basic requirements. One of the most important ones is to be at least 18 years old, which is the standard age requirement for credit cards in the US.
Having a good credit history is also essential. While there are options for people with little or no credit history, a good credit score can improve your chances of getting approved and give you access to better benefits.

To demonstrate your creditworthiness, you'll need to show that you have sufficient income. This is a requirement for credit card issuers to verify that you can afford to pay your debts.
Here are the specific requirements you'll need to meet:
- Ser mayor de 18 años
- Tener un buen historial crediticio
- Demostrar ingresos suficientes
Consejos
If you're just starting out with building credit, consider beginning with a basic credit card. This will give you a low credit limit and competitive interest rates, making it easier to manage your finances.
One key thing to remember is to use your credit card responsibly. This means making on-time payments, keeping your balance low, and avoiding excessive spending to establish a good credit history.
Regularly monitoring your credit activity is crucial to catching any potential issues. Check your account statements regularly to ensure there are no unauthorized charges or transactions.
To help you stay on track, here are some specific steps to follow:
- Start with a low credit limit to keep your spending in check.
- Make timely payments to avoid late fees and interest charges.
- Keep an eye on your account activity to prevent unauthorized transactions.
Qué Hacer Sin Seguro Social?
If you don't have a Social Security number, you're not entirely out of luck when it comes to getting a credit card in the US. You can still apply, but you'll need to provide alternative identification to validate your personal information.
Some banks prefer American Express or CitiBank, as they issue cards abroad, making it easier to verify your credit information.
You can also use an Individual Taxpayer Identification Number (ITIN) if you don't have a Social Security number. Be prepared to provide additional documents, like your passport or US visa, to confirm your identity.
Frequently Asked Questions
¿Cómo puedo obtener una tarjeta de crédito sin seguro social?
Obtén una tarjeta de crédito sin seguro social con un número de identificación personal (ITIN) emitido por el gobierno. Con un ITIN, puedes construir tu historial de pago y crédito sin necesidad de un número de seguro social
Sources
- https://us.as.com/actualidad/puedo-solicitar-una-tarjeta-de-credito-sin-numero-del-seguro-social-n/
- https://superdinero.org/mejores-tarjetas-de-credito-sin-seguro-social/
- https://2001online.com/internacionales/eeuu-asi-puedes-aplicar-a-una-tarjeta-de-credito-sin-seguro-social
- https://meridiano.net/usa/servicios/ee-uu-como-solicitar-una-tarjeta-de-credito-sin-poseer-numero-del-seguro-social--20246713390
- https://www.eastwestbank.com/es/personal-banking/credit-cards
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