I recently got my 90-series ITIN and want to start my US credit journey. I'm planning to apply for a Capital One card as my first card. What credit cards do you suggest for a new ITIN holder with no prior US credit history?
You do not need a Social Security number or a past credit history to get your first credit card. Major issuers, including Capital One and Chase, let you apply using your new ITIN and offer cards built specifically for people starting from zero.
You can start building your US credit right away. Because these starter cards are designed for people with no credit history, your lack of a past record will not automatically disqualify you.
When you apply with an ITIN, the process is generally the same as applying with an SSN. You will need to provide your full legal name, date of birth, address, and proof of income.
You have two main paths for your first card: a secured credit card or an unsecured starter card. Secured cards require a refundable security deposit upfront, which often becomes your credit limit. Unsecured cards do not require a deposit, but they can be slightly harder to qualify for.
