Amex Blue Cash Everyday with ITIN: Does It Work? (2026)

Does Amex Blue Cash Everyday Accept ITIN?

✅ Verdict

Yes, American Express accepts ITIN for the Blue Cash Everyday card, but like Chase Freedom Unlimited, this is not a starter card. Amex typically requires a credit score of 670+ and a credit history of at least 12 months. The recommended path is to build credit with a secured card first, then apply online — American Express's online application has a visible ITIN option under "What type of ID do you have?" which makes the process more accessible than Chase's.

How to apply

American Express allows ITIN applications online. During the application, look for the dropdown or field that asks for your tax ID type and select "ITIN." This is one of the few major issuers where the online form explicitly supports ITIN holders.

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Card Details

Annual Fee	$0
Welcome Offer	$200 statement credit after $2,000 spend in 6 months
Cash Back	3% at U.S. supermarkets (up to $6,000/yr), 3% at U.S. gas stations, 3% on U.S. online retail, 1% elsewhere
APR	18.74%–29.74% variable
Recommended Credit Score	670+ (good to excellent)
Foreign Transaction Fee	2.7%
ITIN Application	Online — ITIN option available in the application

What You'll Need

Your ITIN (enter when prompted for your Social Security Number or tax ID)
U.S. address
Income information

How to Apply — Step by Step

1Build your credit to 670+ using a secured card for 12–18 months.
2Go to the Amex Blue Cash Everyday application page on americanexpress.com.
3Fill in your personal information. When the application asks for your Social Security Number or tax ID, look for the ITIN option in the dropdown.
4Enter your ITIN, income, and address information.
5Submit the application. Amex sometimes approves instantly; sometimes it takes 7–10 days for review.
6If approved, your card arrives in 5–7 business days.

💡 Best card for grocery shopping

The 3% cash back at U.S. supermarkets is the highest rate available on a no-annual-fee card. If groceries are a major monthly expense for your household, this card pays for itself quickly.

⚠ Foreign transaction fee applies

Amex Blue Cash Everyday charges a 2.7% foreign transaction fee. If you send money internationally or shop on foreign websites, use a different card for those purchases.

Frequently Asked Questions

Can I apply for Amex Blue Cash Everyday with an ITIN? +

Yes. American Express's online application includes an ITIN option. When the application asks for your tax ID, select "ITIN" and enter your number. You need a credit score of around 670 or higher to be approved.

Does American Express accept ITIN? +

Yes. American Express accepts ITIN for several cards including the Blue Cash Everyday. Their online application explicitly supports ITIN holders — select "ITIN" when prompted for your tax ID type.

What credit score do I need for Amex Blue Cash Everyday? +

American Express typically approves Blue Cash Everyday applications with a credit score of 670 or above. ITIN holders should aim for 700+ and at least 12 months of credit history to improve approval odds.

How much cash back does Amex Blue Cash Everyday earn? +

3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% at U.S. gas stations, 3% on U.S. online retail purchases, and 1% on everything else. All as statement credits.

Is Amex Blue Cash Everyday accepted everywhere? +

American Express has less acceptance than Visa or Mastercard at some smaller merchants, gas stations, and international locations. For everyday use at major U.S. retailers, supermarkets, and restaurants it is widely accepted.

Browse All ITIN Credit Cards

Compare the four cards ITIN holders can get:

Capital One Secured Discover it Secured Chase Freedom Unlimited Amex Blue Cash

For a full side-by-side comparison, see the best credit cards for ITIN holders guide →