Top 7 Credit Cards Operating Without a Social Security Number (SSN) in the Year 2025

In today's world, having a credit card can be essential for building and maintaining a good credit history. However, for individuals without a Social Security Number (SSN), finding the right credit card can be a challenge. Fortunately, several credit cards are available that cater to those with ITINs, and some even accept no SSN at all. Here are some top personal and business credit cards you can apply for without an SSN:

**Personal Credit Cards**

1. **Chase Freedom Unlimited®** - Highlights: 1.5% to 5% cash back, no annual fee - Notes: Good for cash back; accepts ITIN instead of SSN [1]

2. **Chase Sapphire Preferred®** - Highlights: 1x to 5x points on travel and dining - Notes: Great rewards and benefits; accepts ITIN [1]

3. **Capital One Platinum Card** - Highlights: No annual fee, suitable for those with limited credit history - Notes: Accepts ITIN in lieu of SSN; good for building credit [5]

4. **Capital One Secured Mastercard** - Highlights: Requires refundable deposit, helps build credit - Notes: Good starter card if you can’t get a regular card initially [5]

5. **CreditStacks Mastercard®** - Highlights: No SSN or U.S. credit history required, no annual fee - Notes: Designed for those without SSNs or credit history [5]

**Business Credit Cards**

1. **Capital One Spark Miles Select for Business** - Highlights: 5x miles on hotels and rental cars purchased through Capital One's travel booking site, 1.5x miles on other purchases - Notes: Low annual fee of $95 after the first year [2]

2. **Ink Business Cash Credit Card** - Highlights: Up to $750 in cash-back rewards, convertible to Ultimate Rewards points if the cardholder holds an Ultimate Rewards card - Notes: No annual fee [4]

For those with no, limited, or poor credit history, the Tomo card is an attractive option. This World Elite Mastercard provides benefits like Priceless Golf, Priceless Cities, World Elite Concierge, and Fandango. It offers up to $10,000 in spending power and up to $319 in annual value from partners, but it does not allow carrying a balance. [6]

It is essential to note that without an SSN and a credit history, approval odds may be lower. Cards designed for building or establishing credit are recommended. Secured credit cards, which require a refundable deposit, can be a useful way to build credit before moving to an unsecured card. [7]

Contact card issuers directly if you experience difficulty with online applications, as representatives can clarify ITIN acceptance policies. [8]

In conclusion, the combination of Chase Freedom Unlimited® and Capital One Platinum or Secured Mastercard provides some of the best options for individuals applying without a Social Security number in 2025. [1][5]

[1] Source: https://www.chase.com/credit-cards/credit-cards-no-ssn [2] Source: https://www.capitalone.com/credit-cards/spark-miles-select/ [3] Source: https://www.nerdwallet.com/reviews/credit-cards/business/business-credit-cards-no-ssn [4] Source: https://www.chase.com/credit-cards/business/ink-cash [5] Source: https://www.creditkarma.com/credit-cards/find/no-ssn [6] Source: https://www.tomo.com/ [7] Source: https://www.nerdwallet.com/blog/credit-cards/building-credit-with-a-secured-credit-card/ [8] Source: https://www.creditkarma.com/credit-cards/find/no-ssn

In today's world, building and maintaining a good credit history is crucial, and for individuals with ITINs, the Chase Freedom Unlimited® card offers 1.5% to 5% cash back with no annual fee, making it an excellent choice for cash back rewards without an SSN.
Another personal credit card without SSN requirements is the Capital One Platinum Card, which boasts no annual fee and is suitable for those with limited credit history, aiding in the process of building credit.
For those seeking travel rewards, the Capital One Spark Miles Select for Business comes with 5x miles on hotels and rental cars purchased through Capital One's travel booking site, 1.5x miles on other purchases, and a low annual fee of $95 after the first year.
For business owners with no or limited credit history, the Ink Business Cash Credit Card offers up to $750 in cash-back rewards and no annual fee, providing a solid option for earning cash rewards without requiring an SSN.
Lastly, the Tomo card, a World Elite Mastercard, offers benefits like Priceless Golf, Priceless Cities, World Elite Concierge, and Fandango, with up to $10,000 in spending power and up to $319 in annual value from partners, although it does not allow carrying a balance.