Search credit cards and loans for immigrants
Credit cards, loans and bank accounts in the US with an ITIN or without an SSN
Capital One
Chase
Bank of America
Wells Fargo
Discover
American Express
Upgrade
Chime
Western Union
Wise
Remitly
Navy Federal
Kikoff
Self
Oportun
Majority
WorldRemit
Grow Credit
Yendo
Latino CCU
Fibre FCU
Happen Bank
Prosper
Achieve
Capital Good Fund
LES People's FCU
Angel Oak Mortgage Solutions
First National Bank of America
First Federal Bank of Kansas City
Seattle Credit Union
Redwood Credit Union
KeyPoint CU
WECU
Cyprus CU
CreditStrong
Experian
Extra
Current
U.S. Bank
Citi
Varo
OppLoans
Possible Finance
Check City
Embold Federal Credit Union
Kit Federal Credit Union
GHS Federal Credit Union
CashAdvance
PNC
Cash App
Revolut
Santander
TD Bank
Neighborhood Trust FCU
Brooklyn Cooperative FCU
Comunidad Latina FCU
Latino Community CU
CapEd CU
Brooklyn Coop
Mission Asset FundPopular offers
- Soft credit check
Upgrade
Personal loan
APR: 7.74-35.99%
- CAVia application
CashUSA.com
Personal loan
Loan amount: $500-10,000
- From $5 a month, 0% APR
Kikoff
Build credit
APR: 0%
- Accepts ITIN
Capital One Platinum Secured
Credit card
APR: 29.24% variable
- Money back at the end of the term
Self
Build credit
APR: 15.51-15.92%
- No fees, no minimum deposit
Chime Card
Credit card
APR: 0%
- Must own a car
Yendo
Credit card
APR: Up to 35.88%
- First transfer without a fee
Remitly
Account or transfer
Transfer fee: $0 first transfer
Where to start
- Payday loansUp to $5,000Payday and installment loans from credit unions and online lenders.Compare loans
- Account without an SSNWith a passportWells Fargo, PNC and Majority open an account with a foreign passport.Banks ranking
- First credit cardFrom $49 depositCapital One and Discover cards to start your credit history. Capital One accepts an ITIN.Secured cards ranking
How it works
- 1Choose what you needA card, a loan, an account or a mortgage, and which documents you have: SSN, ITIN or only a passport.
- 2Compare offersRate, fees and terms of each bank in one row.
- 3Apply on the bank's siteNo middlemen. The bank makes the decision.
Questions people ask
What is the difference between an SSN and an ITIN?
The Social Security Administration issues SSNs to US citizens and to noncitizens who are allowed to work. The IRS issues an ITIN to people who need a US tax number but cannot get an SSN, regardless of immigration status. An ITIN does not give the right to work. You can build credit with both, but fewer companies accept an ITIN.
Can I get a credit card with an ITIN?
Yes, some banks accept an ITIN. Capital One Platinum Secured and Quicksilver Secured cards accept an ITIN.
How do I get an ITIN?
Send Form W-7 to the IRS together with your federal tax return: by mail, at an IRS Taxpayer Assistance Center or at a VITA site. Applying at an IRS center or a VITA site is free. It takes about 7 weeks, or 9-11 weeks in tax season.
What is a payday loan?
A short loan, usually $500 or less, that you repay from your next paycheck, typically in 2 to 4 weeks. The fee depends on your state, usually $10 to $30 for every $100. Credit unions offer similar loans (PAL) at up to 28% APR.