People with credit cards can simply make purchases and manage their finances. It is used for daily purchases and a very common thing customers seek to achieve because it includes extra benefits that meet lifestyle demands. The best credit card not only helps you with expenses but also helps in getting rewards on purchases. Always use a credit card that helps to build a credit score. Don’t miss those credit cards that only ask for last 4 digits of social security numbers. We have compiled an epic list. Let’s see.
What is a Credit Card?
A credit card is a physical card that is issued by banks with a credit limit. It helps users to make transactions cashless. With a credit card, customers can purchase goods and services online from a supported store. Credit limits are set upon following users’ credit history, credit score and current income. After spending the amount of the credit card, you can repay it within a repayment period without interest.
If you cross the grace period, you may charge a tiny interest. Your credit cards include credit card number, holder’s name, expiration date, CVV, Signature, etc. If you don’t link the credit card with your bank account, you can spend money from the credit limit. That means the amount will be deducted from the credit limit, not from your bank account. You can transfer money with a credit card number and CVV and also pay for food, clothes, medical expenses, and other emergency services.
What is SSN?
The Social Security Administration (SSA) assigns a 9-digit unique number to each person. This number is called the Social Security Number (SSN) These numbers were introduced in 1936 in the USA and used for tracking an individual’s earnings. According to the SSA report, 450 million SSN have been issued and the rest of 420 million are ready for assignment. Each Social Security Number has 3 phases. Let’s see.
- Area Number: The first set of 3 digits is treated as Area Number. This part indicates the location where the card was first applied for.
- Group Number: The second set of 2 digits is treated as Group Number. It is ranging from 01 to 99 and is used to divide SSN’s number from Area Number too small sets. It is separated from Area Number and administrators feel easier when learning by heart or giving it to others.
- Serial Number: The third set of 4 digits is treated as a Serial Number. This number ranges from 0001 to 9999. It is a unique number generated randomly.
What Are the Last 4 Digits of Social Security Numbers Used For?
Though the last 4 digits of SSN are generated randomly, it’s important to remember the Law. Not every institution has the full right to use this number. Few institutions or organizations such as banks, employers, mutual funds, government programs, and IRS can use this number. This SSN is important for completion.
It helps to get a job, enroll in health insurance, open bank accounts, get credit cards, obtain government service, access retirement pension, and so on. Rethink before giving the last digits of SSN to others. It is most important to protect the number. You should not include this number in your email, don’t use it as a PIN. Protect the whole 9 digits to defend against identity theft anytime, especially the last 4 digits.
List of Best Credit Cards That Only Ask for Last 4 Digits of Social Security Number
Using credit cards is the easiest way to make transactions. Most Credit Card issuers wish to have the best credit cards that only ask for last 4 digits of Social Security Number. As I mentioned before, banks and other acceptable organizations can use the last 4 digits of SSN. So, it is possible to get a credit card from the bank easily. However, not all banks give you a card with a 4-digit SSN. Some crispy banks require full 9 digits.
But, I have a surprise for you. Fortunately, Comenity bank gives credit cards with 4 digits. By showing your credit report, you can obtain Comenity Bank cards without a hard pull. If you shop from an online store that is already connected with Comenity bank, you can achieve a Credit card. It is also called the Shopping Cart trick. If the card requires full digits of SSN, that means it indicates hard pull.
If 4 digits, it must not be a hard pull. If Comenity bank issues a card for a specific shop you purchase goods from frequently, it will be worth for sure. Remember, some cards charge extremely high interest. After a day of research, I have compiled a pure list of reward-friendly store credit cards listed below.
1) Victoria’s Secret Angel
Victoria’s Secret is focused on womenswear and beauty products. This online shop has everything a lady wants. It offers credit cards for customers as it collaborates with Comenity Bank. Victoria’s credit card offers a $10 to $15 reward for every 250 points you earned. For Victoria’s Secret purchase, you will achieve 1 point. This card offers free shipping on $50+ orders and 3x points on eligible bra purchases.
The more you shop with Victoria’s Credit Card, the more surprises you will enjoy as a card member. The application process is easy. Go to the address below and force tap on the Apply button. Then follow on-screen instructions. It will reach you on the application letter.
| Card Member | Silver | Gold |
|---|---|---|
| 5% Back in Rewards1 | 5% Back in Rewards1 | 7.5% Back in Rewards1 |
| $1 spent = 10 points | $1 spent = 10 points | $1 spent = 15 points |
| 2,000 points = $10 reward | 2,000 points = $10 reward | 2,000 points = $10 reward |
| Earn 3x points on bras5 | Earn 3x points on bras5 | Earn 3x points on bras5 |
| Spend $250 each program year to reach Silver status | Spend $500 each program year to reach Gold status |
2) Ann Taylor
Ann Taylor is also a store for Women. It runs under Ann Inc. Ann Taylor has other shop sections such as Ann Taylor Factory Store, LOFT, LOFT Outlet, and Lou & Grey. If you spend 1 dollar on an Ann Inc. store, you will get 5 rewards points on your credit card. You’ll get a $20 rewards card for every 2,000 rewards points or $400 spend online or in-store (5 % back). The application process is easy. Go to the address below and force tap on the Apply button. Then follow on-screen instructions. It will reach you on the application letter.
3) J Crew
J Crew is an American store that offers an assortment of women’s, men’s, and child’s items including footwear, shirts, pants, bags, sweaters, jewelry and shoes. As a J. Crew Credit Cardmember, you will achieve 15% off on your first purchase on the day of account opening. Also double points on each purchase and a $5 reward for every $100 purchase. The application process is easy. Go to the address below and force tap on the Apply button. Then follow on-screen instructions. It will reach you on the application letter.
4) Crate & Barrel
From necessary appliances and cookware to new trending buy now pay later furniture and home décor, everything you will get on Crate and Barrel. It is located in Las Vegas, NV. Crate & Barrel offers credit cards to customers. There are some exciting rewards customers don’t want to miss. Ex. For every $200 purchase, the customer will get 10% back excluding special financing.
On grocery store purchases, you can earn up to 2% back in reward dollars. 1% discount is applicable If you use Mastercard to purchase things online. The application process is easy. Go to the address below and force tap on the Apply button. Then follow on-screen instructions. It will reach you on the application letter.
5) Apple Credit Card
Apple consumers might be grateful to have an Apple Credit Card at hand. It is the most reliable payment medium. It offers a tasty reward plan and is an especially great option for Apple Pay users. As an Apple Credit Cardholder, you can get 3% cashback on goods or services when purchased from Apple stores, Walgreens, Duane Reade stores, T-Mobile stores, etc.
And 2% cashback on Apple Pay purchases and 1% cashback on other purchases. The application process is easy. Go to the address below and force tap on the Apply button. Then follow on-screen instructions. It will reach you on the application letter.
Wrap Up
It is tough to find credit cards that only ask for last 4 digits of social security numbers. But fortunately, we have found it. However, those credit cards are accompanied by Comenity Bank. You can apply by following the link. And finally, make sure you purchase on those websites to get an instant reward on a credit card. That’s all for today!
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