Can ITIN holders get a Capital One credit card?

Yes. Capital One is one of the few major US issuers that underwrites credit cards for ITIN-only applicants. The Capital One Platinum Secured Credit Card and Capital One QuicksilverOne are the typical products approved for ITIN holders with limited or no US credit history. A refundable deposit is required for the secured product.

What documents does Capital One require from an ITIN applicant?

Capital One requires the IRS CP565 ITIN letter, an unexpired foreign passport, a secondary government ID (foreign driver's license or national ID), and a US mailing address. A US address is mandatory because Capital One mails the debit card and credit card to a US location only.

Can I open a Capital One account from outside the US?

Capital One requires a US mailing address to deliver the card and a US-issued government ID for some verification flows. Non-residents with a temporary US address (such as a virtual mailbox or a relative's US address) have opened accounts successfully; non-residents with no US address at all are usually rejected.

Does the Capital One secured card build US credit history?

Yes. Capital One reports the secured card activity to Equifax, Experian, and TransUnion every month, building a US credit file under the ITIN. After 6 to 12 months of on-time payments, the deposit may be refunded and the account converted to an unsecured product.

Updated June 25, 2026

Capital One with ITIN: Account and Card Options (2026)

Does Capital One Accept ITIN for Checking and Savings?

Yes. Capital One's online account-opening flow accepts an ITIN in place of an SSN. The applicant enters the ITIN in the taxpayer ID field, then uploads the CP565 letter and passport during the identity verification step. The 360 Checking has no monthly fee and no minimum balance; the 360 Performance Savings has a competitive APY with no monthly fee.

Which Capital One Credit Cards Are Available with an ITIN?

Capital One Platinum Secured Credit Card— refundable deposit of $49, $99, or $200 sets an initial credit line of $200. Best entry point for ITIN holders with no US credit history.
Capital One QuicksilverOne— unsecured, 1.5% cash back. Annual fee $39. Available to ITIN applicants with at least limited US credit history.
Capital One Platinum— unsecured, no rewards. Available for ITIN applicants with fair US credit; less common as a first card.

Capital One reports to all three credit bureaus, so each on-time payment builds the ITIN-linked credit file. See the broader ITIN credit cards page for comparisons against Discover, Self, and other issuers.

How Do I Apply for a Capital One Account or Card with an ITIN?

Get the ITIN first. The CP565 letter is the acceptable proof at the verification step.
Start the online application at capitalone.com. Select the account or card and enter personal details.
Enter ITIN as the taxpayer ID. The application accepts a 9-digit ITIN in the SSN field for non-SSN applicants.
Provide a US mailing address. Required for card delivery; PO boxes are not accepted.
Upload identity documents. CP565, passport, and secondary ID through the verification portal.
Fund the account or pay the deposit. Checking accounts can fund via ACH transfer; secured cards require the deposit before issuance.

What Are the Common Pitfalls Opening Capital One with an ITIN?

No US address. Capital One mails cards to US addresses only. Virtual mailboxes work; international addresses fail.
Name mismatch. The name on the application must match the name on the CP565 and passport exactly.
Expired passport. Verification fails if the passport is expired or within 90 days of expiration.
No US credit history applying for an unsecured card. Start with the Platinum Secured product.

How Does Capital One Compare to Other ITIN-Friendly Banks?

Capital One is the only top-5 US bank that approves both deposit accounts and credit cards for ITIN-only applicants through an online flow. Bank of America and Wells Fargo open deposit accounts but require in-person visits. Mercury and Relay are online-first but serve US LLCs rather than individuals. Wise is online-first for personal multi-currency but is not a US bank.

Full comparison on the ITIN bank account guide.

Frequently Asked Questions About Capital One and ITIN

Yes. Capital One accepts an ITIN in place of an SSN to open the 360 Checking and 360 Performance Savings accounts. Account opening can begin online for ITIN holders, with identity verification finalized by uploading the CP565 letter and passport. Funding requires a $0 minimum opening deposit.

Need an ITIN to apply at Capital One? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.