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For many small business owners, the ideal business credit card is one that doesn’t require them to provide a social security number on the app.
Some just don’t want their business loan tied to their social security number; they choose to build credit for their business under their federal tax ID. Others may not yet have a Social Security number. Sometimes it refers to new immigrants who are doing business.
Read all the answers from our credit card experts.
Ask Elaine a question.
Can I get a business credit card without an SSN?
Fortunately, it is possible to get a business credit card without a social security number, but doing so is more difficult than applying with one.
There are usually two ways to do this. Some business credit cards allow you to apply with an Individual Taxpayer Identification Number (ITIN), a number available to immigrants and their spouses. You may need to browse several online credit card applications to find one that will allow you to apply using your ITIN.
Other business credit cards will allow you to apply using your Employer Identification Number (EIN), a federal tax identification number that the government uses to identify a business entity. You can apply for one through the IRS for free.
Why Most Credit Cards Require a Social Security Number
Most credit cards require a Social Security number because, under federal law, financial institutions must verify the identity of anyone who opens a new account. Banks usually require an identification number, such as a social security number, passport number, or ITIN, to make sure they have met their legal obligations.
How to Apply for a Business Credit Card Without a Social Security Number
It takes a few steps to apply for a business credit card without a social security number.
- Look into credit cards that allow you to use another form of identification.
- Once you have identified the card you wish to apply for, run the application to find out which form of identification number is required.
- Apply for the identification you need. The IRS has published a guide to obtaining an ITIN. If you need an EIN, you can apply here.
- Once you receive your ID, submit your application.
Consider getting a business credit card with an EIN
Many business owners find it beneficial to apply for a credit card using an EIN. One of the benefits of using an EIN is that it will help you build a credit profile for your business. Credit bureaus track business by their EIN.
Here are some cards that will allow you to apply with an EIN (but note that you may also need a social security number or ITIN):
bottom line
It takes extra effort to apply for a business credit card without a social security number, but for many small businesses, it’s worth the time. Having a business credit card can help you build your company’s credit profile, paving the way for additional credit when you need it to grow your business.
*All information about the CitiBusiness AAdvantage Platinum Select Mastercard has been collected by an independent creditcards.com. The Issuer has not provided the content and is not responsible for its accuracy.
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