Can you apply for a credit card without Social Security number?
Isabella Turner
Updated on January 22, 2026
Getting a Credit Card Without a Social Security Number. If you are not eligible to receive an SSN, you may apply for an Individual Taxpayer Identification Number (ITIN) by the IRS, which can be used to apply for credit cards. However, secured cards may help people with no SSN or credit history build credit in the U.S.
Can I open a business without a Social Security number?
Myth #5: You Can’t Start a Business Without a Social Security Number (SSN) (FALSE) Can you start a business without a Social Security Number (SSN)? The answer is YES, you can start a business without an SSN. All you need to do is apply for an EIN in order to start your business without an SSN.
Does a business account need Social Security number?
Every corporation, partnership or LLC must present its employer identification number to obtain a business bank account. Sole proprietors that do not have an EIN may use their social security number to open a business bank account.
Can you build credit with an ITIN number?
The takeaway: Applying for a credit card is more difficult without a Social Security number, but it’s certainly possible with an ITIN. Once you have an ITIN, you’ll have to build credit with a financial product such as a secured card before applying for a typical unsecured credit card.
Can an LLC use the owners Social Security Number?
For federal income tax purposes, a single-member LLC classified as a disregarded entity generally must use the owner’s social security number (SSN) or employer identification number (EIN) for all information returns and reporting related to income tax.
How to apply for a business credit card without a Social Security number?
To apply for a business credit card without using a Social Security number, you need another form of identification as a substitute. You can then use this form of identification to apply for an Employer Identification Number. With your SSN substitute and your EIN, you can then apply for a business credit card.
Can a non-resident get a business credit card?
If you’re a non-resident without a Social Security number, you can still get a business credit card — just be prepared to do a little extra legwork. Before you can apply, you’ll typically need to apply for an individual taxpayer identification number, also called an ITIN.
Are there any credit cards that don’t require a SSN?
Here are 3 examples of business credit cards that don’t require an SSN. The Chase Ink Business Cash Card offers a $500 bonus cash back after you spend $3,000 in purchases within 3 months of opening your account. You can apply for one with just a tax identification number.
Can a secured credit card be used for a business?
Although there are a number of reasons you might be looking for an EIN-only business credit card, a secured credit card could be a good alternative if your main reason is a poor personal credit score. Secured credit cards for businesses only require you to share your EIN, while secured personal cards will still require your SSN.