I have only two credit cards in my legal (boy) name... one from Citibank, and one from Macy's. On both of their web sites, there is a place to order additional cards for "family." The only thing asked was the name on the new card. No other ID. No SSN.
I now have a card from each with Wendi as the name.
Like many other girls, I never had a problem using my "boy" card. But giving a card in my fem name is quite validating, especially when sales people or restaurant employees address me with that name.
Wendi