The StellarFi Bill Reporting is a fintech account from StellarFi Bill Reporting. Application typically pulls a credit report from Equifax. The annual fee is $49 for Gold and $99 for Stellarite. Approval typically requires a credit score of All credit scores welcome or higher. Rewards: 1x to 15x points depending on card level. Typical credit limit: $500 - $25,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Reports your existing bill payments (rent, utilities, subscriptions) to all 3 bureaus. Accepts ITIN. No credit check. Turns bills you already pay into credit-building tradelines.