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Chase Freedom Unlimited with ITIN

Chase Freedom Unlimited is an unsecured cash-back card that ITIN holders can get — but you need to build credit first. Here's the full path from zero to approved.

💳 Chase 📅 Updated Apr 23, 2026 ✍️ By Kevin E.

Does Chase Freedom Unlimited Accept ITIN?

✅ Verdict

Yes, Chase Freedom Unlimited accepts ITIN — but this is not a starter card. Chase typically requires a credit score of 670+ and an established credit history before approving ITIN holders. The recommended path is: open a Chase checking or savings account first (using your ITIN), use a secured card for 12–18 months to build your score, then apply. Chase will apply the ITIN from your existing banking relationship to the credit card application.

How to apply

Apply in person at a Chase branch, especially for your first Chase credit card with an ITIN. Once you have an existing Chase banking relationship, a branch representative can process the ITIN credit application more smoothly than the online form.

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Card Details

Annual Fee$0
Sign-Up Bonus$200 after $500 spend in first 3 months
Cash Back1.5% on all purchases; 3% on dining & drugstores; 5% on travel via Chase portal
APR19.99%–28.74% variable
Recommended Credit Score670+ (good to excellent)
Foreign Transaction FeeNone
ITIN ApplicationIn-person at branch recommended

What You'll Need

How to Apply — Step by Step

  1. 1Open a Chase checking or savings account with your ITIN first — this establishes your ITIN in Chase's system and gives you a banking history.
  2. 2Use a secured card (Capital One Secured or Discover it Secured) for 12–18 months, paying in full each month, to build your score to 670+.
  3. 3Check your credit score with a free tool to confirm you're in range.
  4. 4Visit a Chase branch and tell the banker you want to apply for the Chase Freedom Unlimited using your ITIN.
  5. 5The banker will pull your credit and use your ITIN from your existing account record.
  6. 6If approved, your card arrives within 7–10 days.

⚠ Do not apply online without an SSN

Chase's online application does not have a visible ITIN option for credit cards. Applying online may result in a denial or a hard inquiry with no result. Go to a branch in person.

💡 The Freedom Unlimited pairs well with a Chase checking account

Having both a Chase checking account and a Chase credit card makes it easy to pay your balance — and Chase may offer you credit limit increases faster when they see a full banking relationship.

Frequently Asked Questions

Can I apply for Chase Freedom Unlimited with an ITIN? +
Yes, but you need an established credit history first. Chase requires a credit score of approximately 670 or higher. Apply in person at a branch rather than online — the online form does not clearly support ITIN for credit card applications.
What credit score do I need for Chase Freedom Unlimited? +
Chase typically approves Freedom Unlimited applications with a credit score of 670 or above (good credit). ITIN holders should aim for 700+ to be safe, as Chase also considers credit history length.
Do I need a Chase bank account before applying for the Freedom Unlimited? +
You do not need one, but it helps significantly. Having a Chase checking or savings account with your ITIN on file gives you an existing relationship, which makes the in-branch credit application smoother.
Does Chase Freedom Unlimited have an annual fee? +
No. The Chase Freedom Unlimited has no annual fee. It earns 1.5% cash back on all purchases, 3% on dining and drugstores, and 5% on travel booked through Chase.
Is Chase Freedom Unlimited a Visa or Mastercard? +
Chase Freedom Unlimited is a Visa credit card, accepted virtually everywhere Visa is accepted in the United States and internationally.

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 →