8 Best Credit Cards To Get Without a Social Security Number in 2026

Being a U.S. citizen with a Social Security number (SSN) isn’t always necessary to qualify for a credit card. Some issuers allow applicants to use an Individual Taxpayer Identification Number (ITIN) instead, though acceptance varies by issuer, and other approval requirements still apply.

This guide covers the best business and personal cards you can open without using a Social Security number.

What To Look For in a Credit Card Without a Social Security Number

If you don’t have an SSN, the most important factor to consider when choosing a credit card is whether the application accepts an ITIN. Many financial institutions, including American Express, Chase, Capital One, and Citi, allow you to open a credit card without an SSN if you have an ITIN.

For U.S. citizens, your taxpayer ID number is your Social Security number. But if you’re not a U.S. citizen and have an Individual Taxpayer Identification Number, you can use that to apply with institutions that accept it. If you don’t have an established U.S. credit file, some issuers, including American Express and Chase, may allow you to use international credit history to qualify.

Beyond ITIN acceptance, you should consider the card’s value relative to its annual fee, rewards, and benefits.

Best Personal Cards

Card Summary

Chase Freedom Rise^®

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Chase Freedom Rise^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.

Apply Nowat Chase's secure site

Chase Freedom Rise^®

The Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.

Welcome Offer

Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.

3% Cash-Back on Dining

Annual Fee

$0

APR

18.24% - 27.74% Variable

Why We Like This Card

The Chase Freedom Rise card is a great option for those looking for a card to help build their credit score, with no annual fee, that also earns cash-back rewards.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• $25 statement credit after signing up for automatic payments within the first three months of opening your account

Cons

• High APR
• Charges foreign transaction fees

Read Full Review

Card Highlights

• Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
• Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise^®
• Earn Cash Back - With Chase Freedom Rise^®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
• Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
• Credit Limit Increase - As a Freedom Rise^® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise^® Card
• Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
• No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise^® Card.
• Member FDIC

Financial Snapshot

• APR: 18.24% - 27.74% Variable
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars.

Rewards Center

Chase Ultimate Rewards

The best personal card to get without an SSN is the Freedom Rise card, which has a up cc_id=”424792″ name=”chase-freedom-rise-annual-fee-number”] annual fee, allows you to apply with an ITIN, and is open to applicants with no credit history. You can increase your chances of approval by opening or having a Chase personal checking or savings account with at least a $250 balance.

The Freedom Rise card earns:

• 3% cash-back on dining on up to $6,000 in the first six months
• 1.5% cash-back on all purchases

Credit-friendly features include a $25 statement credit for enrolling in automatic payments within the first 3 months, an increased credit line evaluation in as few as 6 months, and an automatic evaluation for a card upgrade each year. Cardholders also get access to Chase Credit Journey, which includes credit score tracking and identity monitoring.

Why We Like Earning Chase Ultimate Rewards Points

Cash-back earned from the Freedom Rise card can also be converted to Ultimate Rewards points if you have an Ultimate Rewards credit card, such as the Chase Sapphire Reserve^® or Chase Sapphire Preferred^® Card. We value Ultimate Rewards points at 2 cents apiece, and you can transfer your points to travel partners for business and first class award travel.

If you don’t have an Ultimate Rewards card, you can redeem your Freedom Rise card’s rewards for a fixed value through statement credits, gift cards, travel bookings through Chase Travel, and Amazon.com purchases via Shop with Points.

Chase Freedom Unlimited^®

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

$200

UP's Offer Valuation*:

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card is a $0-annual-fee card that’s good for maximizing rewards. It’s best suited for those who have good to excellent credit. Chase allows you to apply for the Freedom Unlimited card using an ITIN.

The best feature of this card is its rewards structure:

• 5% cash-back on travel purchased through Chase Travel
• 2% cash-back on Lyft through September 30, 2027
• 3% cash-back on dining (including takeout) and at drugstores
• 1.5% cash-back on other purchases

You can convert your cash-back into Ultimate Rewards points if you get an Ultimate Rewards credit card.

Cardholders get travel insurance (including trip cancellation and trip interruption insurance), purchase protection, extended warranty, zero-liability fraud protection, and access to Chase Credit Journey. This credit card has no additional annual fees for authorized users.

Chase Sapphire Preferred^® Card

BEST FIRST TRAVEL CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.

It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.

Pros & Cons

Pros

• 5x points on all travel booked via Chase Travel
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• Subject to Chase’s 5/24 application restrictions

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is an excellent beginner rewards card. This card is usually best for those with good to excellent credit, but it’s possible to get approved with an ITIN.

It has a competitive welcome offer and strong rewards earning:

• 5x points on travel purchased through Chase Travel
• 5x points on Lyft purchases through September 30, 2027
• 3x points on dining, gas and EV charging, vacation homes, some streaming services, and online grocery purchases
• 2x points on other travel purchases
• 1x points on other purchases

The Chase Sapphire Preferred card comes with an annual Ultimate Rewards hotel credit every anniversary year, a Global Entry, TSA PreCheck, or NEXUS application fee credit every 4 years, and access to redemption bonuses on Chase travel portal bookings and Pay Yourself Back.

Cardholders get a free DoorDash DashPass subscription (activate by December 31, 2027), a complimentary year of Apple TV (if activated by December 31, 2026), excellent travel insurance, purchase protection, extended warranty, no foreign transaction fees, and authorized users for no additional annual fees.

Capital One Platinum Credit Card

Capital One Platinum Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Platinum card is great for those looking to build up their credit score and credit history, without paying a deposit or annual fee.

Capital One Platinum Credit Card

The Capital One Platinum card is great for those looking to build up their credit score and credit history, without paying a deposit or annual fee.

Welcome Offer

None

Annual Fee

$0

APR

Purchases: 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Fair to Good (580-739)

Why We Like This Card

If you’re ready to get serious about building or rebuilding your credit, you’ll want a credit card for which approval is probable, one that has a simple structure and is easy to manage, and ideally, has some benefits you can use. This is where the Capital One Platinum Credit Card really shines.

Pros & Cons

Pros

• No annual fee
• Free credit monitoring

Cons

• Does not earn rewards
• The high APR can be costly if you carry a balance

Read Full Review

Card Highlights

• No annual or hidden fees. See if you’re approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It’s free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
• Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 28.99% Variable
• Foreign Transaction Fees: None

The Capital One Platinum card*×Information collected independently. Not reviewed by Capital One. is one of the easiest credit cards to get without an SSN or an established credit history. It’s best suited for applicants who need to rebuild or establish credit.

It doesn’t earn rewards, but cardholders get access to free credit score access through CreditWise, no foreign transaction fees, and contactless payments. The card has a $0 annual fee and no foreign transaction fees.

Bottom Line: The Freedom Rise card and the Capital One Platinum card may be the easiest cards to get approved for with an ITIN and limited or no credit history.

American Express^® Gold Card

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out, and want big rewards at U.S. supermarkets.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out, and want big rewards at U.S. supermarkets.

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

With the Amex Gold card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There are several other benefits of the Amex Gold card, including monthly dining credits.

Pros & Cons

Pros

• 5x points on prepaid hotels via AmexTravel.com or the Amex Travel App
• 4x points at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter

Cons

• $325 annual fee (rates and fees)
• 4x categories for restaurants and U.S. supermarkets have annual spend caps

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 5X Membership Rewards^® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
• Earn 3X Membership Rewards^® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
• Earn 2X Membership Rewards^® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• Pay It^® lets you tap in the American Express^® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It^® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
• $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express^® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express^® Gold Card at U.S. Dunkin’ locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• Enjoy complimentary Hertz Five Star^® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
• Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express^® service and support. Only for American Express^® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Gold card accepts an ITIN in place of an SSN, earning valuable Membership Rewards points on everyday purchases and travel. You may need good or excellent credit to be approved for the card, but the Apply With Confidence feature lets you check approval before you submit an application and get a hard credit check.

There’s a competitive welcome offer, and cardholders can earn rewards on travel, dining, and U.S. supermarket purchases:

• 5x on prepaid hotels through AmexTravel.com
• 4x at restaurants worldwide, up to $50,000 annually, and at U.S. supermarkets, up to $25,000 annually
• 3x on flights through AmexTravel.com or directly with airlines
• 1x points on other purchases

Why We Like Earning Membership Rewards Points

The Amex Gold card earns Membership Rewards points, which we value at 2.2 cents each. You can transfer your points to travel partners for business and first class award travel, luxury hotel stays, and more.

Hot Tip:

If you want to earn everyday rewards with Amex but don’t want to pay an annual fee, consider the Blue Cash Everyday^® Card from American Express. It earns well at U.S. supermarkets and gas stations and on U.S. online retail purchases. However, rewards are earned as cash-back, not Membership Rewards points.

Best Business Cards

Card Summary

Capital One Venture Business Card

Capital One Venture Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One Venture Business Card

Welcome Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

100,000 miles

UP's Offer Valuation*:

Up to $1,800

Annual Fee

$95

APR

24.49%

Why We Like This Card

The Capital One Venture Business card is a great fit for business owners looking for a well-rounded travel rewards card that offers an uncomplicated earn structure, a handful of useful benefits, and a reasonable annual fee.

Pros & Cons

Pros

• Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
• Earn 2x miles on all other purchases
• $50 annual travel credit for bookings through Capital One Business Travel

Cons

• Charges a $95 annual fee
• Limited travel protections

Read Full Review

Card Highlights

• Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck^® every four years. Terms and conditions apply
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• $95 annual fee
• Free employee cards which also earn unlimited 2X miles from their purchases
• Top rated mobile app

Financial Snapshot

• APR: 24.49%
• Foreign Transaction Fees: 

You can apply for the Capital One Venture Business card*×Information collected independently. Not reviewed by Capital One. without an SSN as long as you have an ITIN.

The Capital One Venture Business card earns up to 5x Capital One miles on purchases:

• 5x miles on vacation rentals, rental cars, and hotels booked via Capital One Business Travel
• 2x miles on other purchases

Earning 2x miles on all purchases is impressive on a business credit card, and those rewards can add up quickly.

Cardholders also get a Global Entry or TSA PreCheck application fee credit every 4 years, an annual $50 Capital One Business Travel credit, up to $50 annually in statement credits for advertising or software merchant purchases, and zero fraud liability for unauthorized purchases.

There’s also extended warranty coverage, no foreign transaction fees, and no-additional-cost employee cards.

Capital One VentureOne Business Card

Capital One VentureOne Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One VentureOne Business Card

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Offer Valuation*:

Up to $900

Annual Fee

$0

Pros & Cons

Pros

• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee

Cons

• Doesn’t offer business bonus categories
• Not as rewarding as other business cards that earn 2x points or 2% back

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee
• Hertz Gold Plus Rewards Five Star status
• No foreign transaction fees
• Rental car insurance

Financial Snapshot

• Foreign Transaction Fees: $0

The Capital One VentureOne Business card*×Information collected independently. Not reviewed by Capital One. is a step down from the Capital One Venture Business card and has a $0 annual fee.

Cardholders can earn up to 5x Capital One miles on purchases:

• 5x miles on hotels, vacation rentals, and rental cars purchased through Capital One Business Travel
• 1.5x miles on other purchases

The card also has extended warranty coverage, roadside assistance, zero-liability fraud protection, no foreign transaction fees, and no-additional-cost employee cards.

Ink Business Cash^® Credit Card

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
• Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
• Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
• Earn 1% cash back on all other purchases with no limit to the amount you can earn.
• Earn 5% total cash back on Lyft rides through 9/30/27.
• As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
• Complimentary three-month lnstacart+ membership.
• No Annual Fee
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is one of the best business credit cards available, and it has a $0 annual fee.

You can earn up to 5% cash-back rewards on the Ink Business Cash card:

• 5% cash-back at office supply stores and cellular phone, landline, internet, and cable TV services on the first $25,000 in combined purchases every cardmember anniversary year
• 5% cash-back on Lyft purchases through September 30, 2027
• 2% cash-back on dining and gas on the first $25,000 in combined purchases every cardmember anniversary year
• 1% cash-back on other purchases

Cash-back rewards are convertible to Ultimate Rewards points if you hold an Ultimate Rewards card, such as the Ink Business Preferred^® Credit Card or the Chase Sapphire Preferred card. You can earn a maximum of 10% return on spending when your rewards are converted to Ultimate Rewards points, based on our valuations of Chase points at 2 cents each.

The Ink Business Cash card has primary car rental coverage, purchase protection, zero-liability fraud protection, extended warranty, and no-additional-cost employee cards.

Final Thoughts

Not having a Social Security number isn’t a barrier to getting a credit card. Many major financial institutions accept ITINs on credit card applications, with options ranging from cards for people new to credit to travel rewards and business cards.

Choosing the best card without an SSN depends on your credit history and spending habits. If you’re new to U.S. credit, the Freedom Rise card or the Capital One Platinum card can be a good starting point. If you have established credit, you may get approved for cards that earn greater rewards.