What is the best ITIN credit card overall in 2026?

Bank of America Customized Cash Rewards Secured ranks #1 because of 3% cashback in a category you choose, $0 annual fee, and automatic upgrade review at 12 months that returns your deposit. Capital One Platinum Secured is #2 with the lowest deposit requirement ($49 to $200).

Which ITIN credit card has the lowest deposit?

Capital One Platinum Secured starts at $49 deposit for qualifying applicants. Chime Credit Builder has no minimum deposit at all but functions more like a debit card with credit reporting. Discover it Secured and OpenSky require $200 minimum.

How long until ITIN credit cards build a 700+ score?

12 to 18 months of on-time payments and under-30% utilization typically produces a 680 to 720 score. First FICO score generates after 6 months (580 to 650 range). A 750+ score takes 2 to 3 years of positive credit history.

Do ITIN credit cards report to all three credit bureaus?

Yes. All six issuers above report to Experian, Equifax, and TransUnion. Bureau reporting is critical because it builds the credit file lenders use for auto loans, ITIN mortgages, and apartment rentals.

What credit limit can I expect on an ITIN credit card?

Secured cards: your credit limit equals your deposit ($49 to $5,000). Unsecured Deserve Pro starts at $500 to $1,500 based on application data. Bank of America and Capital One review for credit line increases after 6 months of on-time payments.

Updated June 25, 2026

Best ITIN Credit Cards Compared: Full 2026 Rankings

Q: Is there an unsecured credit card that accepts ITIN?

Yes. Deserve Pro and Deserve EDU are the only widely available unsecured cards that accept ITIN holders with zero US credit history. Deserve uses alternative data (education, international credit) for approval. $0 annual fee, 1% cashback on all purchases, no deposit required.

Which Credit Cards Accept ITIN Holders in 2026?

6 US issuers explicitly accept ITINs. The table below ranks every card by overall value for ITIN holders building US credit.

Rank	Card	Type	Deposit	Annual Fee	Rewards	Bureaus
1	BofA Cash Rewards Secured	Secured	$300	$0	3% choice category	All 3
2	Capital One Platinum Secured	Secured	$49-$200	$0	None	All 3
3	Discover it Secured	Secured	$200	$0	2% gas/dining, 1% other	All 3
4	Deserve Pro	Unsecured	$0	$0	1% on all	All 3
5	Chime Credit Builder	Secured	$0 min	$0	None	All 3
6	OpenSky Secured Visa	Secured	$200+	$35	None	All 3

Why Is Bank of America Customized Cash Rewards Secured the Best ITIN Credit Card?

BofA Cash Rewards Secured ranks #1 for 4 reasons: 3% cashback in a category you pick (gas, online shopping, dining, travel, drug stores, or home improvement); 2% at grocery stores and wholesale clubs; $0 annual fee; automatic upgrade review at 12 months that returns your deposit. You need an existing Bank of America ITIN bank account before applying. The card reports to all 3 bureaus.

Why Is Capital One Platinum Secured Best for the Lowest Deposit?

Capital One Platinum Secured offers the lowest deposit option: $49, $99, or $200 depending on creditworthiness. $0 annual fee. Automatic credit line increase review after 6 months. Capital One explicitly accepts ITINs in its online application, which removes the need for a branch visit. This card is the cheapest way for ITIN holders to start building US credit.

Why Is Discover it Secured Best for Cashback?

Discover it Secured offers 2% cashback on gas and dining (up to $1,000 quarterly), and 1% on everything else. Discover matches all cashback earned in your first year, effectively doubling rewards. $0 annual fee. $200 minimum deposit. Automatic monthly account review starting at month 7 for graduation to an unsecured Discover card.

Why Is Deserve Pro the Only Unsecured Card for ITIN Holders?

Deserve Pro is the only widely available unsecured credit card that accepts ITIN holders with zero US credit history. Deserve uses alternative data: international credit reports, education, and employment history to underwrite applicants. $0 annual fee, 1% cashback on all purchases, no deposit. Starting credit limits run $500 to $1,500. Deserve EDU is the student version for ITIN holders enrolled at US universities.

How Should ITIN Holders Choose Between These Cards?

If you have $300 and want rewards: Bank of America Customized Cash Rewards Secured.
If you have under $200: Capital One Platinum Secured ($49 minimum).
If you want cashback and matching: Discover it Secured.
If you want no deposit: Deserve Pro (unsecured) or Chime Credit Builder.
If you have no credit and no bank account yet: OpenSky Secured Visa (no credit check, no bank required).

For the full credit-building strategy, see the build credit with ITIN guide. Once your score reaches 680+, you qualify for ITIN mortgage programs.

Frequently Asked Questions About ITIN Credit Cards

Six US issuers have confirmed ITIN acceptance in 2026: Bank of America (Customized Cash Rewards Secured), Capital One (Platinum Secured and Quicksilver Secured), Discover (it Secured), Deserve (Pro and EDU), Chime (Credit Builder), and OpenSky (Secured Visa). All six report to Experian, Equifax, and TransUnion.

Need an ITIN to apply for these cards? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.