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How can I get a credit card without a Social Security number?

Author

William Jenkins

Updated on February 13, 2026

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. If you are a nonresident who is filing a tax return or a dependent/spouse of a U.S. citizen or visa holder, then you are required to have an ITIN.

Can I file taxes without a Social Security Number?

An Individual Taxpayer Identification Number (ITIN) lets you file an income tax return if you do not have a valid Social Security Number. The ITIN is a 9 digit number that you can request and receive from the Internal Revenue Service (IRS).

Is my EIN connected to my SSN?

An EIN is to a business as a SSN is to a person. The IRS tracks your personal tax filings with your SSN, just as it uses your EIN to keep tabs on your business filings. Unless your business is a disregarded entity, you must use an EIN when filing a business tax return.

Can I use my EIN to open a business bank account?

You can open a business bank account once you’ve gotten your federal EIN. Most business bank accounts offer perks that don’t come with a standard personal bank account.

Do you need a SSN to get a business credit card?

This is why most credit-card providers require you to include your Social Security number when submitting an application. Why Get a Business Credit Card Without an SSN? Although credit providers normally require an SSN, you may face a number of situations where you wish to apply for business credit cards without a Social Security number.

Are there any credit cards that don’t require a Social Security number?

Credit card companies are not the only card issuers out there, and lots of other providers offer business cards that don’t require a social security number. Each card offers different ways to earn points, cash in rewards, and pay your balance, so be sure to pick the option that works best for your business needs.

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.

Do you have to have Social Security number for Brex card?

One option without a revenue requirement is the Brex Card, but it requires that you have $100,000 in a corporate bank account and venture capital backing when you apply. If your business isn’t quite there yet, you’ll likely need to share your Social Security number when you apply.