In today’s article, we’ll share the steps to get a credit card in the United States. If you read carefully, this process will become much clearer for you.
First, let’s clarify: to get a credit card in the U.S., you need an SSN (Social Security Number) or an ITIN (Individual Taxpayer Identification Number). U.S. citizens or Green Card holders usually have an SSN. Foreign individuals can also obtain a credit card using an ITIN.
You can find detailed videos about ITIN on our YouTube channel, where you can learn step by step how to get it.
Getting a Credit Card Without a Credit Score
People who have never used credit in the U.S. must first establish a credit score. Banks check your credit score when evaluating applications.
For new users without a credit score, secured credit cards are the starting point.
There are two main types of credit cards:
Secured Credit Card:
Provided against a deposit. For example, you deposit $200 and receive a $200 credit limit.
The deposit is not lost; the bank only holds it until you establish trust. Once your credit history is built, your deposit is returned.
Unsecured Credit Card:
Regular credit cards without a deposit. Usually given to people with a high credit score.
For beginners, it is generally recommended to start with a secured card.
Once your credit score is established, you can access higher credit limits, and in the future, even purchase a car or a house.
In some cases, individuals may get an unsecured card directly, but additional documents may be required. The most reliable process: first obtain an ITIN, then create a credit score with a secured card.
Platforms to Get a Credit Card in the U.S.
Some platforms offering credit cards include Capital One, Chase Bank, Firstcard App, etc. Of course, there are more options, so be sure to do your own research.
Documents usually required for application:
Passport
ITIN number
Physical U.S. address
If you’re in the U.S., finding an address is easy. If you live outside the U.S., you can get an address from services or use a relative/friend’s address.
Some apply without VPN, others use paid VPN, as some banks may check IP location. However, if all processes are legal and correct, there is no problem.
Some banks may require a state ID, residency card, or visa. Instead of these banks, it’s safer to choose banks that accept applications with passport + ITIN + U.S. address.
Important Notes About ITIN
You can get support in multiple languages, including Turkish, on TheITIN website. By working with IRS-certified CAA, you can safely obtain your ITIN. You can also use the coupon code “eticaret50” to get a $50 discount.
If you have additional updates or different procedures, feel free to share them in the comments.
We hope this article has been useful for you. Don’t forget to like and share it! Thank you! ✅
