Staying in the US without having credit cards? Looks like your life is stuck somewhere. Having credit cards is everything in the USA.
If you want to buy a house, cars, gadgets, or any property in installment then you must have a high credit score. And for that you need to have a credit card. Before applying for credit cards you first need to know what a credit card is and how it works in the USA.
Related: Useful Websites of US Government
A credit card, in simple words, is a card that you can get from a bank which lets you borrow some money in the promise of returning back to the bank on time or else paying some interest for delay.
Getting a credit card is an easy task but maintaining the credit score is the toughest one. Once, you get the credit card, in order to maintain it you should be paying back all the borrowed money that you use on time. Paying back on time is what helps you to increase your credit score and delaying the payment simultaneously decreases the credit score.
There are different rules on credit cards, according to the bank you deal with. A lot of banks make offers when you get a new credit card. For example, one of the offers American Express makes is if you get a new credit card and you spend at least $1000 dollar within the first three months of your membership then, in return you will be getting $200 cash back.
Oftentimes people fool themselves thinking that the money in credit cards is free money and you can spend as much as you want. But think of it, who would give you thousands of dollars for free in this selfish world? It is the same as taking a loan from somebody and paying them back on time. If you miss the payments for the first couple times then you will have to pay certain charges or interest, oftentimes called APR. But, if you keep on missing your payments then your card will be frozen and you will be facing serious problems. So, make sure you use it wisely and keep track of your payment amount and due date.
You might know that in order to have a credit card, for most of the banks, you need to have a SSN number. SSN is a social security number and it is the most important thing in the USA. Once, a person has a social security number then that is the only number you use for your life time. Either renting an apartment, or buying a house, car or for doing any major transactions, you must have a SSN. This is the number that shows all your records of timely payment, where you have lived, what criminal charges you have faced and everything. Therefore, it is very important that you keep your SSN secret.
There are four major types of credit cards, Mastercard, Visa, American Express and Discover. Out of four of these major credit cards Mastercard and Visa card are widely supported and all the US financial institutions issue these two cards.
Well, enough of the information, isn't it?
There are certain conditions and institutions that do not require you to have a SSN to get a credit card. Now, let's dive deep into the financial institutions that provide credit cards without having a Social Security number (SSN).
Financial institution that provides credit cards without Social Security Number (SSN)
Bank of America Corporation is an American banking company operating in various countries all around the world. It is headquartered in Charlotte, North Carolina and has more than 16,000 physical locations.
Bank of America provides different kinds of Rewards Credit Cards. Before applying for these rewards credit cards without an SSN, you have to have a checking or saving account with Bank of America.
Credit card support: 1 (800) 732-9194Here are the different types of Rewards Credit Cards that Bank of America offers and you can apply according to your needs.
Cash Rewards (No annual fee)
You can get a $200 online cash rewards bonus offer after you spend a certain amount of dollars within 3 months and 3% cash back in the category of your choice on the first $2,500 each quarter. And the good thing about this card is Introductory 0% APR for your first 12 billing cycles for purchases. After the offer ends, a variable APR will apply.
Travel Rewards (No annual fee and foreign transaction fees)
If you love to travel then this rewards credit card is for you with no annual fee and no foreign transaction fee. You can get 25,000 online bonus points (a $250 value) as a welcome bonus after you spend a certain amount of dollars within a 3 months period. This card has also Introductory 0% APR for your first 12 billing cycles for purchases. After the offer ends, a variable APR will apply.
American Express is another American banking company operating in various countries around the world. It was founded in 1850 and is headquartered in Buffalo, New York. It is the leading card issuer in the United States and is well known for its excellent customer services. From Business Platinum Card to everyday rewards, it has a good choice of credit cards for all types of cardholders.
Customer Service: 1 (800) 528-4800 (call this number to apply if you don't have SSN)
Some of the American Express Credit Cards are listed below. You can apply as per your need.
Cash MagnetÂ® Card (No Annual Fee)
As mentioned above, one of the offers American Express makes is if you get a new credit card and you spend at least $1000 dollar within the first three months of your membership then, in return you will be getting $200 cash back. There are several other offers that American express makes.
Blue Cash EverydayÂ® Card (No Annual fee)
This award offers you money back of 20% if you spend money on Amazon. The 20% offer is valid only till $200. If the 20% of your purchase is more than $200, for example $220, then you will not receive even a penny more than $200. This is valid if you apply for this card by 10/07/2020. Moreover, there are several other offers that you can get from this card.
Chase is one of the popular credit card brands in the USA. IT was founded in 1799 on 1st September. Chase bank has its headquarter in New York City, USA. Chase bank has its operation in over 100 countries having more than 5,100 physical locations.
Even if you do not have a Social Security Number (SSN), you can easily apply for a credit card form Chase bank by using your ITIN number. It allows you to enter your ITIN number instead of an SSN number which makes your life easier.
You can call Chase Bank at this number (800) 935-9935 and can ask them, without any hesitation, to open a credit card using the ITIN number as you do not have an SSN.
Some of the Chase Bank Credit Cards are listed below. You can apply as per your need.
Chase Sapphire PreferredÂ® credit card
If you are all about traveling then this is probably the best one for you. Using this card, you can receive up to 60,000 reward points by spending $4,000 within the first three months from the day you open your credit card. That is worth $750 towards travel through Chase Ultimate RewardsÂ®.
United ClubSM Infinite Card
You can receive up to 100,000 bonus miles if you can spend at least $5000, within the first three months of opening your credit card. This is also another beneficial card if you love to travel a lot.
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