Can you get a Discover credit card without an SSN?

One of the most common questions we get here at MyCreditCardClub is “Can I get a Discover credit card without an SSN?” The answer to that question is unfortunately n

o – all of Discover’s cards require an SSN as part of the application process.

Now, that doesn’t mean that there aren’t options for those who don’t have an SSN. There are two paths you can take – obtain an SSN or apply for a credit card that doesn’t require one. We’ll explore both options in more detail below.

Option 1: Obtain an SSN

The first option is to obtain an without a social security number. This can be done by applying for a Social Security card through the Social Security Administration. To qualify, you must be a legal resident of the United States with permission to work here.

If you’re not a legal resident, you may still be able to obtain an SSN if you have what’s known as an “employment authorization document.” This document allows you to work in the United States for a specific period and is issued by the Department of Homeland Security.

Option 2: Apply for a Credit Card That Doesn’t Require an SSN

The second option is to apply for a credit card that doesn’t require an SSN. While most major issuers – such as Chase, Citi, and American Express – will require an SSN, some companies will offer you a card without one.

However, even if you don’t have an SSN, you’ll still need some form of identification to apply. The most common form of ID used for this purpose is an Individual Taxpayer Identification Number (ITIN). An ITIN is a nine-digit number issued by the IRS to individuals who are not eligible for a Social Security number but who still need to file taxes in the United States.

If you don’t have an ITIN, you may still be able to apply for a credit card using your passport. However, it’s important to note that not all issuers accept passports as valid forms of ID, so you’ll need to do your research before applying.

>>Read More: Best Business Credit Cards That Use EIN Only

The credit card that doesn’t require an SSN

Are you an international student or worker who’s been turned down for a credit card due to not having a social security number? Don’t worry – there are options out there for you.

American Express, Bank of America, Capital One, Citibank, U.S. Bank, and Wells Fargo all offer credit card options that don’t require an SSN. All you need is your ITIN (Individual Tax Identification Number) or passport instead.

So if you want to start building your credit history, there’s no need to feel left out anymore. Check out these banks and see which one works best for you.

>>Read More: Can You Add An Authorized User Without A Social Security Number?


While it’s not possible to get a Discover credit card without an SSN, there are still options available for those who don’t have one. You can either obtain an SSN or apply for a credit card that doesn’t require one.

Whichever path you choose, make sure you have the proper identification on hand before applying.

What do you think? Will you be applying for a credit card without an SSN? Let us know in the comments below!


  1. Does discover credit card require ssn?

    Yes, the Discover credit card does require a Social Security number (SSN) for application purposes. This is standard procedure for most credit card companies in order to help verify your identity and prevent fraud. If you do not have a SSN, you can not apply Discover Credit card.

  2. Why does discover need my social security card?

    Discover may need your social security card in order to verify your identity and run a credit check. Discover may also need your social security card if you plan to apply for a credit card or loan with them in the future.

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