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No SSN Finance ITIN Credit

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44 contributions to No SSN Finance ITIN Credit
NASA credit union cards
They have a pre-approval application with only soft pull and at the end they will tell you your limit which is cool There are several card themes to choose from and a couple of versions of cards, cash back and rewards. Before you accept , it will ask you if you want to do the hard pull. You will have 30 days to accept the offer. They don't seem to have soft pull requests in the website or app though, although some are reporting you can request this through the secure message system by specifying soft pull only. The preapproval works with ITIN numbers. Also note that there are some users reporting that they were approved with the pre-approval and then declined on the hard pull Let us know what limit you got !
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Bread financial
Bread financial is a financial issuer of branded cards. They have three cards available for pre-approval Ford card - sign into ford and then do the preapproval for the card All pet credit card Bread rewards AMEX - issued by bread, not amex. so this is worthwhile giving a shot if you are want to try some different issuers The Bread rewards used to have a direct pre approval link from the bread site, but now it needs an invite access code. So if anyone knows where to get the preapproval invite let us know !
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Samsung card
Here is another one that has pre-qualify that accepts ITIN Also 3% cashback when using the samsung wallet, which is very good. 3% is as high as it goes for cashback. But you have to use samsung wallet, so this is best for those with Samsung phones. it is issued by barclay card usa. create a samsung USA account first then sign in and goto the card page. https://www.samsung.com/us/samsung-card/ and click pre-qualify Let us know how you do !
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Fetch card
This one some users are reporting decent limits and the pre-approve app tells you your limit before you accept. It is a rewards app, get the app on your phone. Then in settings you can find the Fetch amex card. It is not issued by Amex, it is issued by Imprint cards. The payment rails are amex. And you can get it without a hard pull. Make sure your bureaus are unfrozen, apply to the preapproval in app. If accepted and you like the limit, then go freeze all three credit bureau and voilla , new card without a hard pull and you know exactly the limit you will get before you accept also they send a very detailed report to tell you why your application is denied (if denied), which is useful for those with new or improving accounts. let us know what limit you get and your age / state of your credit report
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New ITIN? What first card?
Usually getting a secured credit card is the first step for most people and that is still working well. But right now, some people seem to be getting approved for both Discover It and Capital one quicksilver And on new ITIN numbers too. Try doing the pre-approval on both Here is a link for the discover it pre-approval and also $100 bonus - https://i.capitalone.com/GKuL8eh7U If denied, wait a few days to a week and try again. Some are getting lucky and getting $500 limit. If you don't have a credit file, you will need to send in your passport and ITIN letter. If you can get this, it is a better option than secured. The discover card is great as well as you can auto request limit increase in the app every 90 days. So even if you start with 500, you can raise it pretty quickly over the year. You can also create virtual cards in the app / website as well.
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note, the link above will work with ITIN numbers. the apply link on the discover site does not.
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US Finance Guide
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@us-finance-guide-2026
Helping people without an SSN access US banking, credit, loans, LLC banking, business credit, funding, and ITIN guidance.

Active 14d ago
Joined Jun 19, 2026