Can you get a Capital One credit card with an ITIN or no SSN?
Yes: Capital One accepts an ITIN instead of an SSN when you apply online, but you need one of the two. Its secured cards (deposit from $49) and its student card have no annual fee and no foreign transaction fee.
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- Apply with an ITIN
- Yes · How to apply with an ITIN: Online. Capital One's application terms say you are not eligible if you "do not have a valid Social Security Number or Individual Taxpayer Identification Number", and its guide for immigrants says you can apply for both secured cards with an ITIN. [1][2]
- Passport only (no SSN or ITIN)
- No. Without a valid SSN or ITIN you are not eligible, according to the application terms. [1]
- Uses credit history from abroad
- Not stated. We found no Capital One program that uses credit history from another country. [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 |
|---|---|---|---|---|
| Capital One Platinum Secured | Secured | $0 | None | $49 |
| Capital One Quicksilver Secured | Secured | $0 | None | $200 |
| Capital One Quicksilver Student | 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 Platinum Secured deposit is $49, $99 or $200, depending on your credit; Capital One decides which.
- Your home address must be in the 50 states, Washington DC, Puerto Rico or a US military location.
- You get the deposit back if you close the account and pay in full, or as a credit if Capital One moves you to a regular card.
- An ITIN expires if you don't use it on a federal tax return at least once in three years, Capital One notes.
Other issuers
Guides
Sources
- Capital One Platinum Secured application terms (PDF)
- Capital One: Credit cards for immigrants
- Capital One: What is an ITIN?
- Capital One Platinum Secured
- Capital One Quicksilver Secured
- Capital One Quicksilver Student
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.