Can you get a Bank of America credit card with an ITIN or no SSN?
Yes: Bank of America accepts an ITIN instead of an SSN on its online card application, but you need one of the two. Its secured cards start at a $200 deposit; the Travel Rewards secured and student cards have no foreign transaction fee.
Last checked:
- Apply with an ITIN
- Yes · How to apply with an ITIN: Online. The online application says you need your "Social Security number or ITIN", and offers "Have an ITIN? Skip prefill to continue." [1]
- Passport only (no SSN or ITIN)
- No. The card application requires an SSN or ITIN. Bank of America's passport-only option is for opening a bank account, not for a credit card. [1]
- Uses credit history from abroad
- Not stated. We found no Bank of America page about using credit history from another country; it asks for your citizenship only to verify your identity. [1]
Starter cards
Cards this issuer offers to people with little or no US credit history. Fees are from the card's official terms page.
| Card | Type | Annual fee | Foreign transaction fee | Minimum deposit |
|---|---|---|---|---|
| Bank of America Travel Rewards Secured | Secured | $0 | None | $200 |
| Bank of America Customized Cash Rewards Secured | Secured | $0 | 3% | $200 |
| Bank of America Travel Rewards for Students | Student | $0 | None | No deposit |
We don't list signup bonuses, interest rates or credit limits: they change often and depend on you. Open the issuer's page for today's offer.
What else to know
- The secured deposit is $200 to $5,000 and sets your credit limit.
- You get the deposit back if you pay in full and close the account, or after a periodic review if Bank of America moves you to a regular card; not everyone qualifies.
- Your home address must be in the US (including DC, Puerto Rico and US territories), and you must be 18 or older.
Other issuers
Guides
Sources
- Bank of America online credit card application
- Bank of America: Credit card application FAQ
- Bank of America Travel Rewards Secured
- Bank of America Customized Cash Rewards Secured terms
- Bank of America Travel Rewards for Students terms
Last checked: . General information from the issuers' and agencies' own pages, not financial advice. We are not a bank and don't get paid by any issuer for these pages. We never ask for your SSN, ITIN, passport or card number.