What is the minimum deposit for Capital One Platinum Secured with ITIN?

The minimum deposit for Capital One Platinum Secured is $49 to $200. Capital One determines your exact deposit based on an initial creditworthiness assessment using a soft pull that does not affect your credit score. Most ITIN holders with no credit history receive a $200 deposit requirement. The deposit equals your initial credit limit and is fully refundable upon upgrade.

How long until Capital One upgrades my secured card to unsecured?

Capital One reviews your account for automatic upgrade after 6 months of on-time payments. This is the fastest upgrade timeline among ITIN-friendly secured cards. When approved for upgrade, your deposit is refunded within 1 to 2 billing cycles and your credit limit increases to $1,000 or more. You do not need to apply for a new card.

Does Capital One Quicksilver Secured accept ITIN holders?

Yes. The Quicksilver Secured card accepts ITIN holders and offers 1.5% unlimited cash back on every purchase. The deposit requirement is $200. There is no annual fee. The Quicksilver Secured reports to all 3 credit bureaus and includes the same automatic upgrade review after 6 months as the Platinum Secured.

What credit score do I need for Capital One with an ITIN?

No credit score is required for Capital One secured cards. Both the Platinum Secured and Quicksilver Secured are designed for people building credit from zero. Capital One uses a soft pull during the application to determine your deposit amount, not to check your credit score. You can apply with no US credit history at all.

Does Capital One report ITIN accounts to all 3 credit bureaus?

Yes. Capital One reports account activity to Experian, Equifax, and TransUnion every month. Payment history, balance, and credit limit are all reported. This triple-bureau reporting builds your ITIN credit file identically to how SSN accounts are reported. Your first FICO score generates after 6 months of reported activity.

Can I increase my Capital One credit limit with an ITIN?

Yes. After 6 months of on-time payments, Capital One reviews your account for an automatic credit limit increase. You can also request an increase through the Capital One app or website. Limit increases do not require an additional deposit for secured cards that have been upgraded to unsecured. Typical increases range from $500 to $2,000.

What documents do I need to apply for Capital One with an ITIN?

You need your 9-digit ITIN, a US mailing address, date of birth, annual income information, and a US bank account for deposit payment. Capital One does not require a passport upload during the online application. Your ITIN letter from the IRS (CP565) serves as proof of your tax identification number if Capital One requests verification.

Can I use Capital One for building credit toward an ITIN mortgage?

Yes. Capital One secured cards are one of the best tools for building the credit history required for ITIN mortgage programs. Most ITIN mortgage lenders require a 620+ credit score and 12 months of credit history. With on-time Capital One payments, your score reaches 680 to 720 within 12 to 18 months, qualifying you for competitive mortgage rates.

What happens if I miss a Capital One payment with my ITIN card?

A payment missed by more than 30 days is reported as late to all 3 credit bureaus and reduces your score by 80 to 110 points. Capital One charges a late fee of up to $40. If you miss payments for 180 consecutive days, Capital One closes your account and applies your deposit to the outstanding balance. Set up autopay to avoid missed payments.

Updated April 2026

Capital One Credit Cards for ITIN Holders 2026

Capital One accepts ITIN holders for both the Platinum Secured and Quicksilver Secured credit cards. The Platinum Secured requires as little as $49 deposit, the lowest among all ITIN secured credit cards. Both cards charge $0 annual fee, report to all 3 credit bureaus, and offer automatic upgrade to unsecured after just 6 months of on-time payments. Capital One is the best choice for ITIN holders who want the fastest path from secured card to full credit access. This guide covers both cards, application requirements, approval tips, and the exact steps to build credit with Capital One using your ITIN.

Does Capital One Accept ITIN Holders for Credit Cards?

Yes. Capital One explicitly accepts ITINs as valid tax identification for credit card applications. During the online application, Capital One asks for your Social Security Number or Tax Identification Number. Enter your 9-digit ITIN in this field. Capital One processes ITIN applications through the same automated system used for SSN holders.

Capital One is one of the top 5 credit card issuers that accept ITIN holders in 2026. The others are Bank of America, Deserve, Chime, and OpenSky. Capital One stands out for having the lowest deposit requirement ($49) and the fastest upgrade timeline (6 months). For the full comparison of all ITIN credit cards, see our ITIN credit card guide.

What Is the Capital One Platinum Secured Card for ITIN Holders?

The Platinum Secured is Capital One's entry-level secured card for building credit from zero. It requires no credit history and accepts ITIN holders. The deposit is the lowest available at $49 to $200.

Platinum Secured Card Details

Deposit: $49 to $200 (based on creditworthiness assessment)
Credit limit: Equal to your deposit amount
Annual fee: $0
APR: 30.74% variable
Rewards: None
Reports to: Experian, Equifax, TransUnion
Auto upgrade review: After 6 months
Foreign transaction fee: None
Credit check: Soft pull (does not affect score)

The Platinum Secured is the best option for ITIN holders who want the lowest upfront cost. A $49 deposit gives you a $49 credit limit. While this is a small limit, it is sufficient for 1 to 2 small recurring purchases per month, which is all you need to build credit. Capital One increases your limit after 6 months of responsible use.

What Is the Capital One Quicksilver Secured Card for ITIN Holders?

The Quicksilver Secured is Capital One's rewards-earning secured card. It offers 1.5% unlimited cash back on every purchase while you build credit. The deposit requirement is $200, higher than the Platinum but with the added benefit of cash back rewards from day one.

Quicksilver Secured Card Details

Deposit: $200
Credit limit: $200 initial
Annual fee: $0
APR: 30.74% variable
Rewards: 1.5% unlimited cash back on all purchases
Reports to: Experian, Equifax, TransUnion
Auto upgrade review: After 6 months
Foreign transaction fee: None
One-time cash back bonus: $200 after spending $500 in first 3 months

The Quicksilver Secured is the better choice if you can afford the $200 deposit. The 1.5% cash back earns you money while building credit. If you spend $500 per month, you earn $90 in cash back over 12 months. The $200 sign-up bonus makes this card especially valuable for ITIN holders who plan to use the card for regular purchases.

How Do Capital One Platinum and Quicksilver Compare for ITIN Holders?

Both cards accept ITIN holders and offer the same upgrade timeline. The difference is deposit amount and rewards.

Feature	Platinum Secured	Quicksilver Secured
Deposit	$49 to $200	$200
Annual fee	$0	$0
Cash back	None	1.5% unlimited
Sign-up bonus	None	$200
Upgrade timeline	6 months	6 months
Foreign transaction fee	$0	$0
Best for	Lowest cost entry	Earning while building

How Do You Apply for Capital One with an ITIN?

The Capital One application takes 5 to 10 minutes online. Follow these 6 steps for the highest approval chance.

Open a US bank account first. Capital One requires a bank account for deposit payment. If you do not have one, visit our ITIN bank account guide to choose a bank.
Visit capitalone.com and select your card. Choose Platinum Secured (lowest deposit) or Quicksilver Secured (cash back rewards).
Click "See if you're pre-qualified." Capital One runs a soft pull that does not affect your credit score. This confirms your deposit amount before you formally apply.
Complete the full application. Enter your legal name, date of birth, US address, annual income, and ITIN in the SSN/Tax ID field. The ITIN field accepts 9-digit numbers in 9XX-XX-XXXX format.
Fund your deposit. Capital One charges your bank account for the deposit amount. Processing takes 1 to 3 business days.
Receive and activate your card. The card arrives by mail in 7 to 10 business days. Activate online or by phone. Make your first purchase within 30 days.

Approval tip:

Ensure your name on the Capital One application matches your ITIN letter (CP565) exactly. Mismatched names trigger manual review and delay approval by 5 to 10 business days. If your passport name differs from your ITIN name, use the ITIN name on the application.

How Do You Build Credit with Capital One as an ITIN Holder?

Capital One's 6-month upgrade path is the fastest available. Follow this timeline to maximize your credit building speed.

Month 1 to 3: Establish Payment History

Use your Capital One card for 1 to 2 small purchases per month. A streaming subscription ($10 to $15) is ideal. Keep your balance under 30% of your credit limit. Pay the full statement balance by the due date. Set up autopay through the Capital One app.

Month 3 to 6: Maintain Perfect Payments

Continue the same pattern. Add a credit builder loan to diversify your credit mix. Capital One monitors your account activity during this period for the upgrade decision. Zero missed payments is the key requirement.

Month 6: Automatic Upgrade Review

Capital One reviews your account automatically. If approved, your deposit is refunded within 1 to 2 billing cycles. Your credit limit increases to $1,000 or more. You do not need to apply for a new card. If not approved, Capital One reviews again at month 9 and month 12.

Month 6 to 12: Expand Your Credit Profile

After upgrade, request a credit limit increase. Your score should be 650 to 700 at this point. Consider applying for a Discover card to add a second credit line. Space applications 6 months apart. Your ITIN credit score reaches 700+ by month 12 to 18.

How Does Capital One Compare to Other ITIN Credit Cards?

Capital One offers the best combination of low deposit and fast upgrade for ITIN holders. Here is how it compares to the alternatives.

Feature	Capital One	OpenSky	Chime
Min deposit	$49	$200	$0
Annual fee	$0	$35	$0
Upgrade path	6 months auto	Manual only	N/A
Bank account needed	Yes	No	Yes (Chime)
Credit check	Soft pull	None	None

Choose Capital One for the fastest upgrade. Choose OpenSky if you have no bank account. Choose Chime for zero upfront cost.

What Are Common Issues When Applying to Capital One with an ITIN?

3 common issues cause delays or denials for ITIN applicants at Capital One. Here is how to prevent each one.

Name mismatch: Your application name must match your ITIN letter (CP565) exactly. If your passport has a different format, use the ITIN name. Contact Capital One reconsideration line at 1-800-625-7866 if denied for this reason.
Address verification failure: Capital One verifies your US address through public records. If you recently moved, update your address with the USPS first. A mismatch triggers manual review.
Expired ITIN: ITINs not used on a tax return for 3 consecutive years expire. Check your ITIN status before applying. If expired, complete ITIN renewal first.

Frequently Asked Questions About Capital One ITIN Credit Cards

Yes. Capital One accepts ITIN holders for the Platinum Secured and Quicksilver Secured credit cards. Enter your 9-digit ITIN where the application asks for a Social Security Number or Tax ID. Capital One processes ITIN applications through the same online system used for SSN applications. Approval decisions are issued within 60 seconds for most applicants.

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