Getting US Credit Cards for Canadians [2020] Ricky September 23, 2020

Getting US Credit Cards for Canadians [2020]

Originally published in 2018, our guide to Getting US Credit Cards for Canadians has been refreshed for 2020, including new information on the 24/7 Parcel address, the convenient Nova Credit method for getting approved for your first Amex US card, and a more up-to-date method for obtaining an ITIN.

 

Furthermore, this guide will also act as the first installment in an ongoing series looking at the products, bonuses, benefits, and strategies for each of the major US issuers whose cards are worth getting: American Express, Chase, Citi, Capital One, and Bank of America. Stay tuned.

In this article, we’ll discuss how savvy Canadian consumers can go about obtaining their very first US-issued credit card.

Once you get your first US card, you’ll start building credit history in the US, and eventually you’ll be eligible for most, if not all, of the credit cards in the US marketplace.

Whether you’re looking to rack up the sky-high signup bonuses on US credit cards to travel the world, or searching for a more comprehensive US dollar spending solution than what’s available here in Canada, having access to US credit cards as a Canadian can be useful in many circumstances. Here’s how to get your US credit file up and running.

In addition to this detailed guide, you can also watch the below video I made on how Canadians can obtain US credit cards:

In This Post

Step 1: Get a US Address

First off, you’re going to need to have a residential address that’s domiciled in the United States.

If you have family or good friends down there – lucky you! As long as they agree to let you use their address, you can ask them to forward your mail periodically, pick it up yourself when you visit them, or simply ask them to take pictures of your mail and send it on to you.

For the rest of us, getting a US address is as simple as using a mail forwarding or mailbox service. I personally use 24/7 Parcel, which has facilities in Washington State (close to Vancouver) as well as Niagara County in New York (close to Toronto, Montreal, Ottawa, etc.)

While 24/7 Parcel mainly offer parcel receiving and pick-up services, the Niagara Falls location will also forward your letter mail for US$1 plus postage per envelope (typically US$2.15 in total for letters to Canada). 

They do charge an annual fee of US$90 per year; however, Prince of Travel readers can obtain a US$20 discount by mentioning that I referred you to the service. Click here for more details about 24/7 Parcel and the US$20 discount.

247-parcel-logo

There are also other mail forwarding services out there you can choose from, and I encourage you to do some of your own research as well.

(Keep in mind that certain services, like Shipito or MyMallBox, were once popular with Canadians looking to get US credit cards, but have since changed their policies to no longer forward credit cards in the mail. While 24/7 Parcel has publicly committed to continuing to handle credit cards, there have been a small handful of reports of US credit card applicants being questioned about the 24/7 Parcel address during the application process. Most applicants are still using 24/7 Parcel without any issues, but you may wish to choose a different mail forwarding service to be on the safe side.)

No matter what mailbox service you pick, make sure to verify one thing. Go to the USPS address lookup tool and enter the address of your mailbox, and make sure that “Commercial Mail Receiving Agency” isn’t marked as “Y”.

That’s because many credit card companies will deem these addresses ineligible once they see that it’s registered as a mail forwarding service.

As long as the “Commercial Mail Receiving Agency” line is marked with a “N” (as is the case for 24/7 Parcel), issuers will recognize the address as a residential address, and you’ll be good to go.

Step 2: Get a US Bank Account

You’re going to need a US bank account to pay off your US credit card bills, so let’s get one set up.

This step is easy – several Canadian banks have subsidiaries in the US, and if you bank with them on the Canadian side, it tends to be a pretty straightforward process to set up an account in the US as well.

I personally use CIBC for my personal banking in Canada. Their US counterpart, CIBC US, offers a Smart Account account that has a monthly maintenance fee starting at only US$4.95 (covering up to 12 transactions).

That’s a solid proposition in my book, and it’s really easy to get set up if you’re an existing CIBC client with Canada (you can apply online and also transfer US funds in-between your Canadian- and US-domiciled CIBC accounts instantly online). 

The equivalent holds true with TD Canada Trust and TD Bank (their Convenience Checking account is a very affordable option), BMO Bank of Montreal and BMO Harris Bank, as well as RBC Royal Bank and RBC Bank. All of these banks have very well-established Cross-Border Banking products and guidelines, so simply go online to get more information on their personal checking options and to open an account.

No matter which US bank account you go with, you’ll ideally want to set your US address (from Step 1!) as the primary address on the account, such that the US address shows up on all your monthly banking statements. This will be useful when it’s time to verify your address with credit card issuers later on. 

Step 3: Get Your First American Express US Card via Nova Credit

Once you have a bank account and address, you can actually start applying for cards now.

You need to open a few accounts to start building credit history from scratch, and the easiest issuer to begin with is American Express. Amex is a global company, and they offer their cardholders a number of easy ways to transfer their membership to another country whenever they “relocate”.

The first option is an American Express Global Transfer from Canada to the US. To be eligible for a Global Transfer, you need to have at least one Canadian American Express account that’s been open and in good standing for at least three months.

Then, you can call the Global Transfer number and tell them you’d like to do a Global Transfer as a current Canadian cardholder to a US credit card, and then proceeding to complete the application over the phone.

However, American Express US has recently begun working with a service known as Nova Credit to apply directly using your Canadian credit file, without needing to be an existing cardholder on the Canadian side.

To do this, open up the application form of any Amex US personal credit card, and then click the “International Cardholder” checkbox where it asks for your Social Security Number.

(Note where it says “Sign in for a simpler application process.” Even if you happen to be an existing Canadian cardholder, it isn’t actually necessary to sign in; doing so will initiate the Global Transfer process described above, whereas not signing in will result in the arguably smoother Nova Credit process.)

Submitting the application will bring you to the Nova Credit portal, where you’ll be asked to select the foreign credit history on which you’d like to base your application. Canadians would select Canada, although the same process could be used by residents of Australia, India, Mexico, and the UK to apply for US credit cards as well.

You’ll be asked to fill in some information to locate your Canadian TransUnion file, including your name, date of birth, and recent address. Once a potential match to your credit file is located, you’ll also be asked a set of three identity questions based on your TransUnion credit file as another verification step. 

(The Nova Credit process results in only a soft inquiry, not a hard inquiry, on your TransUnion credit file in Canada.)

Once that’s done, you check a few boxes to authorize Nova Credit to transmit your Canadian credit information over to American Express US. 

Next, you may be asked for some supplemental information about your finances. Providing this information is optional, but may help speed up your application’s processing time.

The final step is to provide details of a foreign ID, such as a passport, that can help prove you are who you say you are. A Canadian passport should work fine. 

You may be instantly approved at this stage, or you may be asked to verify your identity documents (such as uploading a PDF copy of the passport information you provided) or verify your address (such as uploading a bank statement from Step 2 with your US address on it, or calling American Express and speaking with an agent, who will initiate a three-way call with your bank to verify your address). See how everything ties together nicely?

Either way, if all goes well, you should expect a shiny new piece of plastic (or metal!) to be on its way to your US address. Congratulations, your US credit history has just been “born”!

Now, one question might be on your mind: which Amex US product should you pick as your first American credit card?

In most cases, I’d actually recommend starting out with a basic Amex credit card with no annual fee, such as the American Express US Blue Card or the American Express US Hilton Honors Card. That’s because this is going to be the oldest account on your US credit history, and you’ll be helping your credit score the most if you keep this account open forever.

Another option would be to choose a card that makes sense to keep around for the long run, such as the Amex US Bonvoy Brilliant Card. Not only does it have an impressive signup bonus of 75,000 Bonvoy points, but its net annual fee of US$150 is easily outweighed by the anniversary free night certificate worth up to 50,000 Bonvoy points that you get year after year.

However, sometimes there are special elevated offers that are worth nabbing as soon as possible, such as the recent 60,000 points on the Amex US Gold Card or 50,000 points on the Amex US Green Card in Fall 2020, and those big bonuses could be wise choices for your first US credit card too.

It’s also worth noting that business credit cards do not report to personal credit bureaus in the States, so they don’t help you build credit history and therefore wouldn’t be a good choice as a starter US card.

Moreover, business credit cards can’t be obtained using Nova Credit either, so if you’re interested in one of the Amex US small business cards, your best bet would be to set up a US credit history by getting one of the personal cards first, and then applying for a business card in 3–6 months’ time.

Step 4: Get an ITIN

While it’s easy to get your first credit card with Amex US or one of the Big 5 banks’ US arms, you’ll need to have a credit file identifier if you want to eventually move onto the other American issuers, like Chase, Citi, Capital One, or Bank of America.

Just like Canada, personal credit reports in the US are associated with a unique identifier – typically a Social Security Number (SSN), the equivalent of our SIN. If you already have a SSN as a result of being born, living, or working in the US, then once again, lucky you! Forget about this step, find those mouthwatering signup bonuses, and go forth and conquer!

For the rest of us, we’re gonna need to put in a little bit of work here. In addition to the SSN, credit card companies also accept what’s known as an Individual Taxpayer Identification Number (ITIN) on credit card applications. ITINs are issued by the US Internal Revenue Service (IRS), so getting one requires mailing a bunch of documents to the IRS.

Now, listen up here, because this is important. One of the reasons one might be eligible for (and in fact, encouraged to apply for) an ITIN is if they are a foreign resident who earns income in the US, and needs to prove their foreign residency status in order to be exempt from US withholding taxes.

Got it? Good.

If we think about it, anyone who’s earned some money through US-based services – such as casino winnings in Las Vegas, betting with US-based online betting companies, selling ebooks on Amazon’s Kindle Direct Publishing, or trading stocks with a US-based brokerage – should be applying for an ITIN and self-reporting their income if they want to fulfill their obligations to the IRS.

After all, if you didn’t have an ITIN, you’d be subject to hefty withholding taxes on all your winnings, royalties, and dividends. We wouldn’t want that, would we? (The fact that these sums may be as low as $5 is not important here.)

Now, in the past, ebook publishing companies like Amazon Kindle or Smashwords were happy to issue you a supporting letter for your ITIN application as a foreign resident who may earn US income through their services, even if you had never published an ebook before.

However, they’re now much more reluctant to do so than before, presumably because too many people tied up their customer service channels to request ITIN support letters for the sole purpose of getting US credit cards.

Instead, these days the most reliable method is to seek out a professional service to help you with your ITIN application. Calgary-based US Tax Services is one such firm that provides dedicated ITIN application support services for Canadians who are seeking one. 

For a price of $249.99 (CAD) plus taxes, US Tax Services will provide you with a completed W-7 form, which is the ITIN application form. US Tax Services will also complete a US tax return on your behalf based on any amount of earned income from US sources that you declare, and this serves to justify why you require an ITIN in your application. 

$249.99 can be an intimidating upfront investment for some folks, although the rewards from US credit cards down the line will easily outweigh this fee. You can also take comfort in the fact that US Tax Resources, Inc. is a registered Canadian Federal Corporation and handles your personal and payment information through secure encrypted channels.

(For more information on US Tax Resources, you can also refer to my friend Jayce from PointsNerd’s guide to their services, as well as a testimonial to their services by a PointsNerd reader.)

If you’d rather not pay for professional services, you can also take the do-it-yourself approach to getting an ITIN; however, be warned that even small discrepancies in how the W-7 form is filled in can result in a rejected application, and each application can take several weeks or months to complete. In my view, the $249.99 professional fee for an almost-surefire ITIN application is well worth the potential time savings here. 

If you’d like to go it alone, you can find the official IRS instructions for the W-7 form here. Unfortunately, tax advice is beyond the scope of this website, although there are many online resources to guide you through the process of filling in IRS forms.

Lastly, whether you’ve sought help from US Tax Services or filled in the W-7 form yourself, you need to include a copy of your passport with the application as a means to verify your status as a foreign national. It’s up to you whether to send in your original passport or a certified copy.

You won’t get your documents back in the mail for at least a few weeks, so keep that in mind if you might need your passport for upcoming travel. Personally I didn’t want to risk my passport getting lost in the mail, so I went with the certified copies.

Importantly, a certified copy is not the same as a notarized copy of a passport that you can get at any lawyer or public accountant’s office. Instead, it’s provided directly to you by Passport Canada, so you’ll have to schedule an appointment with your local passport office.

The fee for certified copies is $45, which is good for one, two, or three copies – most people opt for three copies, sending one to the IRS and keeping the other two around for another occasion when they might prove useful (hint: they probably won’t).

(Note: as of the time of this 2020 update, Passport Canada’s walk-in services are closed until further notice, so you can either send in your original passport or wait for Passport Canada’s offices to reopen to obtain your certified copies.)

Once you’ve got the following all sorted out:

  • Document justifying the need for an ITIN (if you used US Tax Services, this would be a US tax return)

  • Completed W-7 form

  • Original passport or certified copy

Throw them in an envelope addressed to the IRS’s receiving address indicated on the ITIN information website, send it off, and wait. In about six to eight weeks, if you’ve done everything right, you should receive a letter in the mail indicating your newly minted nine-digit ITIN.

Step 5: Build Your Credit History

Once you’ve set up your address, bank account, first credit card, and ITIN, the hard work is over. Now all that’s left is to wait for your credit history to mature long enough for you to be approved for some of the credit cards with bigger bonuses, like the Chase cards.

Chase has the infamous “5/24” rule, where you won’t be approved for any credit cards if you’ve opened more than five cards in the past 24 months, so that’s something to keep in mind as you begin to navigate the US landscape.

If you got started with an American Express US card, you will likely be eligible for more Amex US cards pretty soon (within three to six months); however, you don’t want to get too many Amex US cards or else you’ll lock yourself out of 5/24 by the time your credit history has matured enough to be eligible for Chase cards.

One way around this is by going for the American Express business credit cards after you’ve gotten your first Amex US product. Examples would include the American Express US Marriott Bonvoy Business Card or the American Express US Business Platinum Card.

Like I mentioned earlier, business credit cards don’t report to personal credit files in the United States, so you can rack up the signup bonuses on the business products without affecting your future 5/24 eligibility.

Generally speaking, you’ll need to wait at least one year before Chase or Citi will approve you, and even then it’s not a sure thing, and often requires a reconsideration phone call after an initial denial. For example, I myself was approve for my first Chase card, the Chase Sapphire Preferred, after having about 18 months of US credit history.

One way to build your relationship quicker and speed up the process with Chase is to open a Chase checking account (which you can easily do as a Canadian) at a branch on one of your trips down to the US.

Overall, applying for US credit cards is a lot more about playing the long game than here in Canada. American credit cards tend to have strict rules on welcome bonus eligibility, so the strategy is generally more conservative and more about building your credit history over the long run to be eligible for the much wider range of bonuses south of the border.

Lastly, if you have a spouse or partner, I’d highly recommend going through this process for both of you at the same time. After all, we know that playing the two-person game is one of the best ways to maximize points here in Canada, so just imagine how much is on the table when it comes to US credit cards.

America, the land of opportunity indeed!

Conclusion

Getting your very first US-issued credit card can be quite a complicated but worthwhile undertaking. From registering for a US mailbox to dealing with the highly involved process of getting an ITIN, it’s a tricky process to manage and can easily take up a good chunk of your time. That’s why I’m hopeful that this guide lays out the key elements for you and helps you break down the process into more manageable steps.

In upcoming posts, we’ll cover the available products, bonuses, benefits, and strategies for each of the major US issuers whose cards we Canadians are eligible for: American Express, Chase, Citi, Capital One, and Bank of America.

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325 Comments
  1. Avatar
    Hossam

    Some tips and tricks
    Thanks to Rick, I started the game March last year and up to now I accumulated 250K MR points. 3 Hilton cards and two stays at All inclusive in Cancun on Hilton points and 450K leftover.
    Tricks:
    1- RBC has Cross-Border Banking which they use your Canadians credit score to approve you for U.S bank account and credit card. I was approved for RBC credit card 15K and free bank account. List any address there, no questions asked
    2- I was approved for two AMEX cards through Nova
    3- I made mistakes so don’t repeat them, never apply through AMEX public offers. There are links that gets you 75K AMEX personal PLT with the same spending, much better than the public offer for 60K only, yep I made the public offer mistakes a lot. Also the no fee Hilton card with 100K points, imagine that, I only got the 60K public offer.
    4- AMEX has a new option where it shows you your credit card # after it has been approved, so technically you don’t need to wait for the real card to use it. I didn’t try it yet, but it’s there.
    5- One of my biggest mistakes that I applied for a lot of AMEX and thus can’t apply for Chase products 5/24 silly rule.
    6- Monitor your credit score in U.S. when you start building it. Experian and Transunion were the first Bureaus to pick them up, while Equifax was the last.
    7- You can’t apply for Chase products until the three Bureaus has your credit. Don’t get fooled and no matter what apply for maximum of 3 credit cards in the first year, until Chase catches up your credit and then apply for two Chase products.
    8- I had a friend in U.S. where I sent my cards to
    Let me know if you have any questions

  2. Avatar
    American card

    Did I waste my one Nova credit hit? Opened a cross-border account 2 days ago, changed address to a USA domicile address (spouse’s parents). I applied through Nova Credit and asked to call in. Apparently they couldn’t 3-way call my bank because my account has been open less than 30 days and I need to send them proof of address another way. 🙁

  3. Avatar
    Ben L

    Does the 5/24 rule apply for having just *applied* for cards? I’ve applied for two cards (including one Chase card) and was refused based on too new of a credit file; would these figure into the 5/24 rule? Given they show as hard pulls on my file.

  4. Avatar
    Daniel Fradkin

    Ricky, you mentioned that you use CIBC Smart account for US address. I have a CIBC checking account in Canada. In the US checking account application, they ask for your home address and your shipping address. Which one do you say is the 24/7 Parcel address? Both? Also, they ask me where to ship my new US debit card. Shipping or home address? thanks

    1. Avatar
      Peter

      I had no issues listing Canadian address as home address and US address and shipping address when applying for Amex Global Transfer. The US address shows up on my statement and that’s the CIBC agent was able to confirm that address on the 3-way call with Amex

    2. Ricky
      Ricky

      It’s best to use the US address as the home address, so that it shows up on your monthly banking statements and can be used to verify your address with the issuers.

  5. Avatar
    Lidya Ercag

    Hey everyone,

    I just tried to complete the amazon KDP part and I get the response:

    “To be eligible to receive an ITIN letter from Amazon, you’re required to complete your tax information in the online tax interview and receive at least one payment from KDP.”

    Is there a way to bypass the “payment from KDP” part anyone is aware of? Looks like they will not give me a letter otherwise?

    1. Avatar
      Kyrie English

      Just pay for your book

  6. Avatar
    Osvald

    Hi Ricky
    Looks many people are having difficulty with getting an ITIN for US cards, especially now that the Amazon ‘self-publishing’ route no longer seems to work. I wonder if a pretty easy way would be simply having a US interest-bearing bank account.
    Here is my case. I have a US bank account that generates some minor interest. The figure is small, however, every year they send me IRS Form 1042-S ‘Foreign Person’s U.S. Source Income Subject to Withholding.’
    My plan of getting an ITIN is this:
    – Submitting Form W-7 as an alien with boxes “a” and “h” ticked, reference to Exception 1(d)
    – Attaching Form 1042-S from by bank as evidence of my US-derived passive income and need for an ITIN
    – Putting my Canadian address in W-7, both for residential and postal address
    – Adding my passport certified copy
    Looks easy peasy to me. Or do you see any flaws in the plan?
    A few lose ends to work out before submitting everything:
    – Not sure if sending a printout of my Form 1042-S is enough – or would I need to ask my bank to supply me with a letter to IRS about my passive income, and that an ITIN would help me with IRS information reporting and/or federal tax withholding, etc
    – Apparently Passport Canada do not provide certified copies now – but hopefully will once life starts getting to normal
    – Will IRS send a reply to my Canada address? Does it help using a US mailing address instead?
    If this will work for me, it would work for most Canadians. Opening a US interest-bearing account with a deposit sufficient to produce Form 1042-S is far more reliable than getting a Mickey-Mouse letter from Amazon or similar, don’t you think?

    1. Avatar
      Kyrie English

      This seems like a good plan. Let us know that goes.

  7. Avatar
    Jeff

    You know this is also good for opening american Stock trading accounts (weBull and Robinhood for example). thanks for the info.
    For traders out there .. the american market and its’ brokerages have often got great deals that normally aren’t available for canadians such as free stocks for signing up which could turn into a huge profit

    1. Avatar
      Kyrie English

      And no 1.5% transaction fees!

  8. Avatar
    Anson

    Hi Ricky,

    I just applied for the Marriott Bonvoy personal card through AMEX global transfer. I want to get the Marriott business card ASAP to get the 30 elite nights credit this year. However, I heard from the AMEX rep that they can only do the global transfer once, my next card will have to be based on my US credit score, which will take ~6 months to build up.

    Is this consistent with your understanding? Or do you think I should try and apply for the business card anyway? Thanks!

  9. Avatar
    mechu

    Tried to open a TD US convenience checking account online (currently banking with TD in Canada) but seems like you need to provide a social security number now.

    Anyone knows if CIBC smart checking account also require a social security number when applying online? Hoping to know whether it’s still possible before I go and open a CIBC Canada account for a star.

    1. Avatar
      Steven

      you don’t need an SSN – you just need to go in to branch to apply for the TD Convenience chequing.

      1. Avatar
        mechu

        Finally managed to open the TD convenience checking account at the branch. First branch I visited insisted that they couldn’t open a US account from here but second branch I tried knew that the application had to be submitted using their iPad. I am trying to update my address (to the US address) on TD easyweb now but I see that I can only edit my current address. Does that mean the US address will become both my residential and mailing address until I change it back?

  10. Avatar
    jordan ducheminsky

    I haven’t had luck getting a us credit card with an ITIN. i’ve been denied for all. Some want a SSN or more USA info that I can’t supply. I already have a USA amex. (2 now actually)
    any recommendations which card to apply for next?

  11. Avatar
    Craig

    Warning: If you apply for an additional cardholder, even at the time of your initial application, Amex may send the cards individually. 24/7 was upset but understanding that a card came to my box addressed to my wife, even though this was not anticipated nor expected to happen (I would have thought they’d have shipped the two cards together at the same time). You may want to proactively add your spouse, but it is $45/year.

  12. Avatar
    JMC

    Hi Ricky, it seem the 24/7 Parcel address at Niagara Falls doesn’t work anymore. I’ve done everything up to the step where I uploaded my bank statement. But after that, the Global Relations rep called me out that the address I provided was a mail forwarding service address, not a residential address, so he couldn’t process my application any further.

    1. Avatar
      Craig

      JMC, which address are you using? 24/7 got flagged under their old address so you’ll have to change to their new one: 825 Main Street, Niagara Falls, NY 14301

      1. Avatar
        Fred

        Hi Craig,
        How current is the status of the new address at 24/7? I assume at some point the new address will get flagged also.

      2. Avatar
        JMC

        Hi Craig, thanks for your response. Yes. This was the problem. It should be resolved now.

  13. Avatar
    Alex

    Hi Ricky.

    Two questions:
    1) I and my spouse have different last names, but we reside at the same address here in Canada. Will 24/7 open an account with both our names on it – or will we have to open a separate account for each one of us?
    2) I have two US AMEX cards for over a year now – but no ITIN yet. Do I have a chance to be approved by Chase at all?
    Thanks.

    1. Avatar
      Craig

      24/7 will add a spouse for $45/year.

  14. Avatar
    Jeremy Lee

    Ricky thanks for sharing such valuable information with us.
    prior to stumbling on your youtube-video, in my own effort trying to get a US credit card, I went to RBC > opened a saving account then request to > open an RBC US cross-border account > finally applied for the US RBC Visa Signature card..that was my only option.,but this card only gives me 1point per dollar spent…what will you suggest I do? my goal is to get the chases ink card.

    my question to

  15. Avatar
    Kevin K

    Tried to apply for the AMEX BUSINESS Bonvoy Marriott card online (via the referral here or no referral) but the application was insisting on a SSN/ITIN and wouldn’t take all zeros or anything to allow the application to be submitted so I called in and applied over the phone at: 1-800-NOW-OPEN. As a previous comment mentioned I let them know that I live in Canada and already have an American Express in Canada and I’m looking to apply for a new card in the USA.

    I already have another USA Amex card but this did not come up during the conversation. I was approved instantly on the phone however likely because of holding a USA Amex card for almost a year already. If the approval wasn’t instant then they would have transferred me over to the Global Transfer team for approval based on my Canadian credit history. Looking forward to the additional 15 elite nights from this card.

  16. Avatar
    Sam

    When applying for a personal card using Nova Credit, does it trigger a hard inquiry on your Canadian credit report?

    1. Avatar
      Ricky

      Nope.

  17. Avatar
    John

    When opening the US bank account (at a Canadian bank), doesn’t the bank ask for proof of address when asking to put e.g. the 24/7 parcel address as address?

    1. Avatar
      Ricky

      The bank usually does not.

  18. Avatar
    Vik G

    Does it affect our Canadian credit history at all with the US churning, thanks

    1. Avatar
      Ricky

      Nope!

  19. Avatar
    Deven Prasad

    Tried to do a global transfer this morning, and was advised by Amex that the 24/7 Parcel address is now listed as a mail forwarder in their system, and the application cannot proceed.

    1. Avatar
      mechu

      Oh man. Just logged 3 months history with Amex Canada and was intending to request for the global transfer. Are there any other alternatives that forward mail to Canada?

  20. Avatar
    Villz

    Ok you’re gonna have to dummy this down for me. I was actually born in the States but live here in Canada and I want to go back to the States probably like in two years. So with that being said, I do not presently have a U.S residential address so how can I go about opening up a US bank account and get my first American credit card? also can I actually call the banks in the US and see if they can open up an account for me and allow me to sign up for a credit card ?

  21. Avatar
    Gio68

    Has anyone gotten an itin from an online certified agent? And if so, can someone recommend one? I’m thinking i might just pay to get this done as the amazon route seems like its not working for many people anymore.

  22. Avatar
    John

    OMG i got denied!!!…lol
    After getting all the nesesary things in order(us bank account, 24/7 parcel) i went ahead and applied for the coveted amex hilton aspire card via the global transfer online application and got denied. I dont think i’ve ever been denied a credit card here in canada, my credit score has ranged from about 740 to 780 in the last 6 months.Maybe i’ll try over the phone during business hrs. I don’t know.. ????

    1. Avatar
      HB

      Hey John,

      Did you end up getting an ITIN number and get approved for it? I want to make sure I get approved for everything before applying.

  23. Avatar
    soap

    Is it possible to follow up to Step 3, get the Amex card and start building credit history. Then, if and when one decides to link a SSN/ITIN, the credit history will already have accrued so as to immediately be able to apply to other issuers?

    1. Avatar
      Ricky

      Yes!

  24. Avatar
    Enojay

    Hi Ricky,

    I tried contacting Amazon for their Kindle Direct Publishing support letter and received the following reply. If anyone has any suggestions on other ways of obtaining the ITIN, please do say. Thanks 🙂

    Hi XXXX ,

    Noticing that you have not published content in your KDP account yet, have not yet received any royalty payments, and have not completed our tax interview we are declining to issue an ITIN letter at this time.

    The ITIN letters that we issue are intended for Authors who publish content with Amazon and

    1) Do not have a Tax ID number in their local country to claim tax benefits on a W-8 form submitted to Amazon or
    2) Resided in a country that does not have 0% tax treaty rate with the US and may need to file a US tax return to request a refund of taxes withheld.

    Only when you fall under either of the above mentioned circumstance and once you have received your first royalty payment please feel free to contact us for an ITIN letter again with additional details surrounding your circumstances that would require you to file a US tax return for your royalty payments and we will reconsider issuing an ITIN letter.

    Thank you for contacting Amazon,
    XXXXX

    1. Avatar
      Victoria

      Did you manage do get this sorted out? I am having the same issue

  25. Avatar
    Phoenyx

    I went through nova and just got asked for a form 4506-T I dont have an IRS tax file because my primary address is in Canada. Any idea how to sort this out? Should I just start again by getting Canadian Amex card then going through global???

    Helllp… thanks 🙂

  26. Avatar
    Anon

    Received my approved ITIN today on first attempt (Dec 17, 2019)

    I used the Amazon letter, but I photoshopped it to remove the underlines so it didn’t look self-generated. I also printed it on thick paper and I folded some creases to make it look like it came out of an envelope.

    I didn’t attach a cover letter. I only sent the documents they required. YMMV.

    1. Avatar
      Harrinton

      Hi Anon, Please can I see how you edited your Amazon Letter? Thank you.

    2. Avatar
      George

      Did you send it with a normal carrier (Canada Post) or express (FedEx, UPS)? Also did you send your passport or a certified copy of your passport?

      1. Avatar
        Anon

        Canada Post & certified copy

        1. Avatar
          Nick Berczi

          Hey Anon,

          Are you able to email me a copy of the photoshopped amazon document?

    3. Avatar
      Krish

      Hey Anon,

      Can you show me your W-7 Form. For sure, you may want to hide your personal info. Did you enter anything in Date of entry into the United States (MM/DD/YYYY):?

      1. Avatar
        Anon

        I don’t have my W-7 form anymore, but no I didn’t enter anything there

  27. Avatar
    w

    Step 3 says it’s recommended to get a credit card with no annual fee first because it’ll be the card with the longest credit history. But, after you use the nice signup bonuses for the first year, can’t you do a product switch down to the no annual fee one? There’s usually a rule about not being able to get the intro sign-up bonus if you already have a credit card in that family

  28. Avatar
    Derek

    I’m a heavy amex user. I have three Canadian amex cards and i use them all for different purposes. I still intend to use these Canadian cards. Does calling amex and ‘switching ‘ to a US user impact the status of my other cards?

    1. Avatar
      Ron Sigal

      No, your Canadian cards will be unaffected.

  29. Avatar
    Sebby

    I’ve applied for a Chase INK Business card as a sole prop using my ITIN for the application. Chase is requesting I send in more documents to verify myself with a utility bill. I can provide everything else outside of that utility bill. Any work around? Does Amex ask for a utility bill as well when getting business cards?

  30. Avatar
    Guian Carlo Guan

    Hi Ricky,

    Currently in the process of trying to get an ITIN. From my recent emails with Amazon, they’re telling me that I wouldn’t need an ITIN anymore since I am a Canadian citizen with a Canadian SIN, and that’s all they need to exempt me from the withholding taxes. Am I SOL?

  31. Avatar
    Nick

    Hi Ricky,

    I used to work as a co-op student in America for 4 months in 2012. I was assigned a SSN number.

    I’m not sure if this SSN number is still valid or not. How do I verify that it still works and should I use it?

    1. Avatar
      Wowzera

      It still works. You can use it to link your credit profile or start building a new one.

  32. Avatar
    vea

    My husband and I followed these instructions to request an ITIN to the letter, but our applications were both rejected. (October 2019) The letter says "we rejected your application for an ITIN because the supporting documents you sent don’t support the exception to filing a U.S. tax return that you claimed". We used the Amazon letter and certified true copies of our passports. Everything was filled out exactly per the instructions above, including phoning the IRS and citing the name of the person we spoke to.

    1. Avatar
      Carmella

      Did you print out the readily available ITIN letter or did you get Amazon to send one in the mail?

      How long did it take to hear back after you sent the documents?

      It looks like the above methods don’t work anymore.

      1. Avatar
        George

        I sent both letters (self-generated and Amazon letter they sent in the mail) and I just got back a rejection letter… Back to the drawing board and try again.

      2. Avatar
        Wowzera

        @vea
        Please answer those questions.
        There’s some data points about the auto generated Amazon letter doesn’t work.

  33. Avatar
    Rav

    Ricky, I am thinking of getting US Amex through global transfer. I plan to use US credit card on daily basis but my only concern is paying bills in US $. If I convert CAD to USD everytime from my CIBC Canada to CIBC US, I feel I will be wasting a lot of money in conversions. How do you and everyone else do their conversion from CAD to USD to pay their US credit card bills?

  34. Avatar
    XX

    The IRS is no longer accepting scanned or photocopies of ITIN documents. They are also no longer accepting any ready to print templates you find online – including the generic ITIN letter from Amazon. I don’t have a confirmed solution currently. Although, we are working on 3-5 methods actively and are waiting on the IRS.

    1. Avatar
      Harrinton

      Hi, please did you get any other alternative yet? Thank you.

    2. Avatar
      Wowzera

      I recently applied for an ITIN using the Amazon letter (it was sent to my house) and a certified copy of my foreign passport by the US Consulate in Brazil.
      IRS received the documents at October 28th.
      I hope to update you guys soon with good news 🙂

  35. Avatar
    Sean

    Hi Ricky,

    Thanks for your great post! Now I did a global transfer, but am asked to upload a bank statement or utility bill with the American address, which I don’t have. How to deal with this?

    1. Avatar
      Ricky

      You need to get a bank account. It was one of the steps mentioned in the article.

  36. Avatar
    Rob

    Hi Ricky,

    Just wondering how can I apply to the US business bonvoy card with your referral code? It is asking for SSN without the ‘i have a foreign amex account’ option.

    Thanks,

    1. Avatar
      Ricky

      It seems possible to input a dummy SSN (like "00000000") and then call in when the application naturally gets declined to clarify that you’d like to do a global transfer. But don’t worry too much about using the referral code if it’s too much trouble – the public offer is also 100k until today! 🙂

  37. Avatar
    XX

    Got approved today for 5 figures on an American Express credit card via Global Transfer.

    1) call 1-877-621-2639 and apply for a new card.

    a. Let them know you live in country XXX, you have American Express already and you’re applying for a new card in the USA.

    b. They won’t ask you for SSN or ITIN during application.

    c. Provide them all the info they want, even if they say it’s optional. Absolutely none of it is invasive.

    d. Then they will say you have to speak to somebody in new accounts because your application is pending. Of course, it’s going to be pending because you have no credit file in the USA.

    e. If you get transferred to somebody who sounds like they are from India then let them know that you need to speak to somebody in Global Relations or Global Transfers. These people from India CANNOT help you with Global Transfer requests. They’re the same reps you’ve probably spoken to in Canada when inquiring about the status of your approval on a card.

    f. When you get through to Global Relations let them know the situation and that you want to finalize the application.

    g. They will ask for lease agreement or banking statement so have that ready to upload. They will also say that once you upload that it will take up to 24 hours for approval, in my experience call back Global Transfers DIRECTLY after 3 hours and it will be good to go.

    NOTE: If you don’t have a lease agreement or banking statement with the 24/7 address on it then it’s up to you to figure this part out and how far you’ll extend your ethics.

    //

    This only pertains to Global Transfers.

    Personally, I set up my mailbox with 24/7 AFTER getting approved. I gave them (American Express) the generic address for one of the 24/7 mailbox locations that I want my card to go to.

    I already have a long-time bank account with one of the big banks, across the border, so that didn’t apply to me.

    I got a very aggressive starting limit because I have been with American Express Canada for many years now and among my plethora of cards with them (all in good standing – however, a couple of the credit cards do carry high balances due to revolving debts – buy/pay buy/pay etc), 3 of them are Platinum charge.

    In point g. I mentioned calling Global Relations directly. The number for them is 1-866-929-5160. DO NOT CALL THEM DIRECTLY UNTIL YOU GET TO THE PART I OUTLINED IN STEP G.

    Looking back on how easy it was, I would recommend setting up the mailbox first because this Global Transfer program is essentially guaranteed as long as you’re not late on your American Express payments.

    I’ll update here after 6 months in regards to how it goes with getting my 2nd American Express card in the USA.

    Good luck!

  38. Avatar
    Jack

    Hi Ricky,
    Just wanna make sure in the W-7 form, in the: applicants mailing address and foreign (non-us address), we simply put our Canadian address in both section. Correct ?

    Thanks, and let me know

    1. Avatar
      Wowzera

      Yes, correct, take a look at the W7 form instructions from the IRS.

      1. Avatar
        Jack

        thanks,

  39. Avatar
    Manuel G

    Hello,

    I think I did something wrong as I was redirected to a W8-form. What did I need to do differently?

    Not as an individual but as a company?
    Need to give Us-address instead of European address?

    Thanks

  40. Avatar
    MC

    Amazon is being difficult with the supporting letter for the ITIN. They are asking me why you cannot provide Canada’s SIN number in the W-8BEN form?

    1. Avatar
      Saul

      Same problem here. Anyone have alternatives to the Amazon method??

  41. Avatar
    Will

    Hi Ricky,

    I lost my US address (due to my friend’s moving back to home country) and I had to change the address back to Canada in my Amex US account. The process was smooth, but I wonder whether the postal-code zip-code transition rule (3 digits from postal code + 00), that usually works for Canadian credit cards, is also applicable to AMEX US card?

    1. Avatar
      Cupofcoffee

      You can add a US address (any address) as an ‘alternate address’ on your amex account using chat. That way your Canadian address will still be the main ‘home’ address and used for billing/mailing, but you’ll be able to use either your Candian address or the alternate US address as the card address when paying either online or physically.

  42. Avatar
    Matheus Bossle dos Santos

    About filling the W-7 form, in the field 6d, do I need to fill the "Date of entry into the United States"? I am currently outside the US.
    Also, about the field 6g, do I need to fill it with amazon info? Other than that, everything seems alright.
    Anyone got success recently using the Amazon method?
    Awesome article, thanks Ricky 🙂

  43. Avatar
    Jack

    Hi Ricky,
    Regarding for the W-7 form, is it best to put your Canadian address similarly to the KDP profile ?
    In order to prevent any issues-refusal and delayed…..

    1. Avatar
      Ricky

      Yes, you put your Canadian address since the idea is to show you’re a foreign resident who should be exempt from US withholding taxes.

      1. Avatar
        Jack

        Perfect, Much thanks for all the insights !

  44. Avatar
    Jimbo

    Chase is asking for address verification and does not accept bank statement am I SOL here?

    1. Avatar
      Fellow Traveller

      Maybe go for a month to month cell phone plan?

  45. Avatar
    Susana

    I think that when I check that I have a credit card in Canada, they ask me to log into my account. When I get to my account they say that the offer of the AMEX GOLD in US is not open anymore and there is a list of the other cards mentioned above. But none is so good as the GOLD. Would they have this offer available to people with ITIN’s?

  46. Avatar
    Susana

    I have a US Address, a newly minted US bank account, and a Canadian AMEX in good standing, but when I tried to apply for the US AMEX Gold via your referral, they do not let me continue the application unless I write the SSN or ITIN, which I do not have, even if I check that I have a credit rating in Canada. There is no place to write "International card holder". How should I proceed?

  47. Avatar
    Frank

    I am on the step to open us bank account with a Canadian bank US branch. Do I declare that my permanent address is in the US to have a US address on statement or the Canadian address is fine?

  48. Avatar
    Kevin

    Hi Ricky,
    Does it make sense to use a US credit card (such as Chase Saphire Reserve) as your everyday card in both Canada and US, if also you using Norbert’s Gambit to avoid exchange rate commissions?

  49. Avatar
    Nikki

    Form 4506-T, has anyone encountered a request to submit this document? And if so, mind sharing how you proceeded?

  50. Avatar
    VS

    Hi Ricky,

    Down to the ITIN step. Should you use your US or Canadian address to receive your ITIN from the IRS? I assume Canadian is fine.

    Second, I have a TD Bank (US) credit card already (TD Visa Signature First Class) that I got through TD in the US and using my SIN number. They told me since I’m using my SIN, I’m not building credit in the US. Will they change my info to the ITIN so I can start or do I need to start all over again with your suggested cards?

    Thanks a lot!

    1. Avatar
      Andrew

      1) Canadian address is fine, probably better that way since then the IRS knows you’re foreign.
      2) From the DPs I’ve heard, I don’t think TD can add your ITIN on. It may potentially be building history though, when you get your first Amex card you can try to check your credit report and see if your TD account is on there.

  51. Avatar
    FlyYYZ

    24/7 seems to have negative Dp, any other suggestions?

  52. Avatar
    Expaty

    You can get a Wells Fargo bank account using your Canadian address and passport. It gets annoying sometimes when some merchants won’t allow a US card and Canadian address for debit card purchases but aside from that everything works fine. You still need an itin to apply for their credit cards though.

  53. Avatar
    Dan

    Hi Ricky and Everyone Else,

    Newbie question here, but I just wanted to make sure the rewards from these US-based cards are fully redeemable for us Canadians once we collect them. Say we successfully obtain any of these US cards, are there limits to how I can use them on US sites as a Canadian resident? Some issues I can think of using the US CCs are:

    1) Say I live in Toronto. If I book a flight on an American site (expedia.com for instance), does doing so commit me to start a flight from a US city instead of a Canadian one for any of my vacations (do I need to drive from Toronto to Niagara Falls/Buffalo, the closest US city, before flying)?

    2) Am I able to book a flight directly from any Canadian Airline (like Air Canada) without incurring additional FX-charges?

    1. Avatar
      Andrew

      1) No issues there. It would be billed in US Dollars but you could book any trip normally (if their booking system supports it). A similar case would be redeeming Expedia for TD Points for an inter-Europe flight, we’re allowed to do that it’ll just be billed in CADs.

      2) Depends on the card, cards that have no-fx fees would not incur a fx fee. It’s the same as any purchase.

  54. Avatar
    Guest

    Any way to use my ein instead? I’ve had one for a decade via amazon and lulu… Perhaps I’d have to open a business account along with my personal one at my USA bank to pull this off? I’d rather not though, they have monthly fees whereas my personal account does not.

  55. Avatar
    Jay Wong

    Hey Ricky and everyone else! Just wanted to share some good news…

    After months of doing this on and off, I finally got my first American US Card yesterday in hand 🙂

    I opted for the Amex Hilton Honors Card and went through the Global Express program. Didn’t even need an ITIN to get it! Though I guess that’s a next step as I wait to build up credit and get some of the other cards.

    Thanks for all the info here – it’s been very helpful!

    Question on this – does this mean I should create 2 logins for American Express now? 1 for my Canadian cards and 1 for the my US credit cards?

    Thanks again for all the help the last few months!

    1. Avatar
      Davidd418 –

      I tried to have them both under the same account when I got my first US card but there was no way to have it connected. I use two separate accounts one for US an one for Canada.

    2. Avatar
      Ricky

      Glad to hear it Jay! Yes, having two separate logins for your Amex Canada and US is generally the best practice.

  56. Avatar
    Roger

    Hi Ricky,

    If we get an ITIN in the US, does that mean we need to file a tax return now in the US just by virtue of having it?

    1. Avatar
      Ricky

      Nope, the act of having an ITIN itself does not obligate you to file a tax return.

  57. Avatar
    MK

    I find lots of info online about how easy it is to get american express through global transfer, however I just submitted an application online and got an email saying that I need to call them and verify information. They ended up calling me and told me that my address doesn’t qualify because it has to be residential address, not my mailing one.
    Any advice ?

    1. Avatar
      Nikki

      Did you use an address from 24/7 Parcel?

  58. Avatar
    Vince

    Hi Ricky,

    Any advice on what to do when Amex requests a 4506T form after an application? I did at GT to the personal Bonvoy card in January, got my ITIN in March and applied for the Bonvoy Business card in April, which was approved. I recently applied for the Everyday card and Amex is requesting a 4506T, is there anything I can do?

    Thanks.

  59. Avatar
    Ahraaz

    Hi Ricky,

    I provided a relative’s address in USA but now AMEX is asking for Address Proof.

    How do i provide info with my name on a utility bill when I dont live there?

    1. Avatar
      Ricky

      See if you can get a lease agreement going with your relative. They should accept those as well.

  60. Avatar
    Jack

    Hey Ricky, what would be the legality of all of this? I’m hesitant on getting US cards since I’m not sure if ‘lying for credit’, especially across the border, would be the right thing to do.

    1. Avatar
      Ricky

      It’s definitely a grey area. But if you apply for US credit cards on the basis of "spending time in both Canada and the US" (as in the case of a snowbird or a trans-border employee), is there any element of misrepresentation as long as you set foot in the US once per year?

      I guess what I’m saying is that there are many reasons why a Canadian might legitimately want US credit cards (besides for chasing the signup bonuses). If you fulfill one of these reasons, I’d imagine you’re in the clear.

  61. Avatar
    Bryce

    Hi Ricky,

    Would you happen to know if a SSN while a student and valid for work only with DHS authorization would still be acceptable to go through this process? Thanks.

    1. Avatar
      Ricky

      Should still work, since the SSN is simply used as a unique identifier by the credit bureaus.

  62. Avatar
    sasha

    Ricky, how did you change your CIBC account to a US address. I opened on yesterday and it seems I cannot change my address online. Do I have to give a reason for the change if I call CIBC to have it changed? Should I call CIBC US or Canada?

    1. Avatar
      Ricky

      I’d give CIBC US a call.

  63. Avatar
    Michelle

    Would Blue Delta SkyMiles® Credit Card be a good choice ?

    1. Avatar
      Michelle

      Actually…. which card would be best if I already have an ITIN for few months ?

      1. Avatar
        Andrew

        If you’ve gotten an ITIN but haven’t used it yet, there’s no specific card that is better or worse. The Blue Delta SkyMIles card is a good choice in the sense it has no annual fees, but it earns Delta Skymiles.

        The Amex Everday card would be better choice for the larger welcome bonus (though an Incognito offer) and ongoing point earn rate since the points are convertible to Delta SkyMiles at 1:1. You’d miss out on the bonus categories and the discount on inflight purchases, but I wouldn’t value them at that much.

        1. Avatar
          Michelle

          Hi Andrew, Thank you for your response. I have been using my ITIN for few month only with my TD US card. I’ve already had this card for one year and I’m about to cancel it, which leaves me with no US card, so I need to apply for one asap. Since I’m a deal seeker, I’m trying to find a free card that will give me some sign up bonus or would be useful for some hotel/airline discounts. I travel to US a lot and I often stay at the hotels. Maybe I’m just to greedy and I should just the most basic Amex that I can keep active for many years like Ricky is recommending.

          1. Avatar
            Andrew

            I’d be hesitant to cancel your TD US card in a rush, without having the card open you’ll have a very short credit history. I’m not too familiar with what TD Bank N.A. offers in terms of fee waivers or product switching, but I’d personally encourage you to work with them to keep the card open. I’ve had my US credit profile open for around a year now as well and my credit report notes my weak spots are the average age of accounts and the variety of lending I have.

            If you’re traveling to the US often and staying in hotels, the Hilton Honors card would make sense. With no annual fee, the 7x points on Hilton spend and up to a 100,000 point welcome bonus, I’d say it meets all your requirements.

      2. Avatar
        Ricky

        Have you gotten your first US credit card yet? If not, the Amex Hilton or EveryDay cards would be great choices to keep around forever and build credit history due to their $0 annual fee. Otherwise, you could take a look at the Amex Bonvoy Brilliant, Amex Gold Card, or some of the Delta cards (if you’re interested in their points).

        1. Avatar
          Michelle

          Hi Ricky! Thank you for response. Like I mentioned in the comment to Andrew, I’ve had the US TD for a year now, which means my ‘no annual fee’ term is over. Time to cancel it. That will leave me with no US card at all, so I need to find one that will have no annual fee and one that I can keep active for a long time.

  64. Avatar
    Sam

    What’s a good way to monitor my US credit score. I have had a personal card 11 months now and use an ITIN.

    1. Avatar
      Ricky

      Another way might be Credit.com – it’s the only credit score monitoring site that I’ve gotten to work with my ITIN (the three credit bureaus’ sites don’t seem to work).

    2. Avatar
      Andrew

      Amex actually offers a free credit score to cardmembers, both online or in their app. It’s automatically setup and easy to use if you’re a card member.

  65. Avatar
    Hubard

    Hi!
    Can u provide master card out of USA, CANADA like Asian country? By which i can payment prepayment every where? My nest asking how can i paid the bill ( Credit card)? Thanks.
    Hubard

  66. Avatar
    Aeroplan

    i dont think TD USA has the aeroplan card anymore FYI

  67. Avatar
    Mike

    When sending something to the 24/7 Parcel Address, do you just put your customer ID# in the "apartment/suite" field for them to know its for you?

    1. Avatar
      Andrew

      24/7 has a good run-down of the address format with examples which you can see on their site. But you’re correct, the customer ID should be treated as an apartment / suite.

      http://247parcel.com/parcel.html

  68. Avatar
    Jimmy

    Has anyone managed to get a Citi card online with an ITIN?

  69. Avatar
    Kevin

    Ricky, I’m having some difficulty understanding the need for an actual US bank account. I have a US credit card issued by one of the big 6 banks- no points (:, no frills and no monthly fee. I also have a US account in Canada that lets me pay my US bills and US credit card. My debit card also allows me to withdraw directly from that US account. So why would I need another US-based account? If I could get a US-based credit card from say Amex like you suggest, I’d pay it online. I wouldn’t need a mail forwarding service other than needing a US address to get things going.

    Thanks for the walkthrough on getting an ITIN number.

    Cheers
    Kevin

    1. Avatar
      Ricky

      The only reason would be that sometimes the credit card issuer will need to verify your US address using a bank account that has your US address on it.

      If your Big 6 bank’s US bank account has your US address associated with it (and the address shows up on the statements), then you’re all good!

  70. Avatar
    Patti

    Heads-up that the TD Aeroplan Visa Signature no longer seems available through US TD.

  71. Avatar
    J

    What a wonderful thorough coverage! I’m being considered for a job in the US so (fingers crossed) I’ll have a SSN number and won’t need to go through the ITIN process but I’m going to go get an AMEX right now to build 3 months by the time I move! Thank you for sharing this information. Had I known this a year ago, I would’ve been building credit history all along

  72. Avatar
    Jason

    I’m trying this out and will update progress here.
    Got everything I need to send to IRS.
    1. Using a friend’s address in California
    2. I have US bank accounts with RBC, TD, CIBC and I recommend goign with RBC.
    3. Applied for a new AMEX card and got approved within a day.
    – by the time I receive my ITIN (hopefully) I will be reaching 3rd month of Amex history.
    4. Ready to send everything to IRS
    – getting a passport copy took me 4 days. (Toronto)

    1. Avatar
      Jason
      1. Mailed everything to IRS on June 21st
      • 7th week in, no response yet.
      1. Avatar
        Jason

        8th week: got a rejection letter. certified passport got returned 2 days after

        so sad.

    2. Avatar
      Jason

      How did it all go?

    3. Avatar
      Patti

      Jason, did you need a lease agreement or something to get approved for the US Amex? I’m IN the US but don’t have a lease agreement, and cannot get approved for even a no-AF US Amex.

      1. Avatar
        Jason

        Hey, I should’ve specified that I got approved for Amex Canada in #3.
        I’m still waiting for my ITIN.

  73. Avatar
    Eli

    Hey! Would this work similarly for Europeans using the subsidiary bank method?

    1. Avatar
      Andrew

      What do you mean by subsidiary bank method? Are you a European resident who wants to get a US card / build US credit?

      The easiest method is to do an American Express Global Transfer since that will work from most Western European countries. I believe there are a few European banks who have US counterparts but Ricky or myself wouldn’t be too familiar with that.

  74. Avatar
    L C

    Amex has caught on and no longer allows the use of 24/7 parcel for your US address. I just spoke to their global relations department and my application was denied based on the address.

    1. Avatar
      Ricky

      I will say that this data point seems to be false. The manager at 24/7 still sees lots of Amex cards coming through every day.

    2. Avatar
      Nikki

      Which location did you use?

  75. Avatar
    Emily Hsu

    I am very stuck on step 3. Both steps are giving me problems.

    I have a Canadian Amex that’s four months old. I wanted to use the global transfer program with a good welcome bonus – 25k MR with vpn + incognito. When applying online and clicking into the international amex holder link from SSN field, I was directed to a page where I have to either log into my Canadian Amex account or enter card details. Once I log in, I get an error saying the offer is "on longer available", and I am stuck with only 10k MR bonus. Is it connected to my account?

    I then tried step 3b. I don’t see the aeroplan visa signature you mentioned on TD website. In fact, the website is showing that TD only offers four personal cards. That seems like an awfully limited selection. Is that real? Is there something wrong with my internet browser?

    1. Avatar
      Andrew

      Hi Emily,

      Let’s see if we can work through your issues one at a time.

      1) American Express Incognito offers are extremely finicky. I believe Amex is doing this since they know that existing cardholders are very likely to continue being an Amex customer and a less exciting offer isn’t going to cause them to stop being a card member. I assume you’re applying for the American Express EveryDay Credit Card as an example. You can get 15,000 MR points by using a referral link from a friend. While it isn’t as great as the 25k offer, you’re more likely to be able to get the offer. The other option is to apply online with a dummy SSN (899-99-9999 or 001-01-0001) and then call in to complete the GT process. You’re probably get scolded by an Amex agent for using a dummy SSN but they can fix the application and approve you. You wouldn’t be able to apply on the phone for the 25k Incognito offer unfortunately since those offers normally need to be done online when the offer pops up.

      2) TD Bank N.A. has reworked their card portfolio and I recall reading something about the Aeroplan card no longer being available (either temporarily until the acquisition is complete or permanently). TD Bank still has some old links available so you could try submitting an application and seeing what happens. Link: http://wowzone.tdbank.com/personalcreditcard/aeroplan.html

  76. Avatar
    Znl

    I encountered something interesting during the Amex US CC application process…

    I don’t have an Amex Canada account yet, and when I applied for the US CC using the Nova Credit method (clicking “International Cardholder” instead of entering a US SSN or ITIN) it went straight to an application form page for foreign applicants instead of a login page.

    Because of this, I was able to send AMEX US an application without being a current AMEX Canada account holder. I was even able to obtain my Nova Credit info.

    I did this about 3 times – sent in 1 application and had to re-do it due to an error in the address. The 3rd one I made an application for my S/O.

    It’s been 2 to 3 weeks since I’ve been able to do this, but doing this again at the timing of this post sends me to the "Login" page for existing AMEX Canada members.

    Am I crazy or did anyone else experience this recently?

  77. Avatar
    Jack

    Good Day Ricky,
    Firstly, thanks a lot for these useful tricks. However, i wanted to make sure about a few information: as for the Amazon ITIN trick, I would not have to produce any actual form of publishing work so that I may still be able to receive my ITIN annually ?

    Kind Regards,
    Jack

    1. Avatar
      Ricky

      Yes, that’s how it’s worked out for most people.

  78. Avatar
    Patti

    a small TD comment — weirdly, TD doesn’t have branches or ATMs on the west coast of USA. so, if you open a TD USA account and are travelling or staying in California for example, you have to pay not insignificant fees to just take out your USD. it doesn’t affect points obviously but, if you are going to the trouble of opening a US account for points, you may want to choose one that is practical if you visit the west coast much.

  79. Avatar
    Steve

    Hi Ricky,

    I note a mention of a credit check when opening a CIBC USA account. Will this affect your credit score north of the border? Thank you as always.

    1. Avatar
      Ricky

      I didn’t notice that, actually. Did they mention that they’ll make an inquiry on your Canadian credit file, or is it merely a soft check? In any case, I would expect the credit impact to be minor even if it’s indeed a hard inquiry, as is the case with most one-time hard inquiries.

      1. Avatar
        Steve

        Not sure about the nature (soft/hard) but exact wording on site is: By continuing with this application, you confirm you meet the conditions and you consent to *** Bank USA conducting a credit check. A credit check is required in order to validate your identity and confirm your eligibility etc…. so yeah I assume hard.

  80. Avatar
    Jeff

    Hey Ricky,

    I’m a bit confused. You said to apply for the Amex Business Platinum but they ask for a Federal Tax ID. As a Canadian Business I dont have a US Federal Tax ID.

    1. Avatar
      Ricky

      That field goes away when you select "Sole Proprietorship" as the company structure. It’s only required for companies and partnerships.

      1. Avatar
        Jeff

        Another thing, I just went through the process and under personal info it still asks for an SSN.

        1. Avatar
          Ricky

          Yes, that’s why you either go through Global Transfer or get an ITIN as an SSN stand-in.

          1. Avatar
            Jeff

            Additionally I asked about using a Passport instead of an ITIN or SSN and they said that might work but – the business needs to be headquartered in the USA for all their business cards. Is this just something people lie about to get the business card?

            1. Avatar
              Ricky

              Yes, when you do a Global Transfer you provide them with a passport rather than SSN/ITIN.

              I wouldn’t say “lie”, more like they’ll set up a US-based subsidiary for their business and apply using that.

              1. Avatar
                Jeff

                for global transfer you need a current Canadian Amex card though, correct?
                I’m legitimately struggling to find a card that makes sense for me w/o an ITIN.
                I even got declined on the BOA Travel Rewards card.

                1. Avatar
                  Ricky

                  How about one of the Amex US personal cards? Yes, you’d need a current Canadian Amex with at least three months of history.

      2. Avatar
        Jeff

        I have a Canadian Corporation, would there be any problem applying for a US Business Card as a "Sole Proprietorship"?

        1. Avatar
          Ricky

          I don’t think it’s unreasonable to be operating as a corporation in Canada and as a sole proprietorship in the US.

  81. Avatar
    George

    Hi Ricky,
    I’ve been researching the ITIN method for the past couple of weeks, but it would appear from multiple sources online (see RFD website forums) that the Amazon / Kindle method seems to not be working anymore as of Feb 2019 and IRS is rejecting those applications. Are there any other known methods to get an ITIN?
    Thank you!

    1. Avatar
      Ricky

      I’m not aware of any other methods. There’s been mixed data points on the Amazon method, but that’s where calling ahead to walk through your application might help. The reader who suggested that method had used the Amazon letter to support his application.

  82. Avatar
    Alpha Beez

    I have come across some comments that Chase may flag applications outside the US. Has anyone any experience on this. The alternative method of using a VPN may cause further issues for fraud protection.

    1. Avatar
      Ricky

      I haven’t had any issues applying for Chase cards outside the US. I imagine using VPNs might look even more suspicious than someone who just spends their time on both sides of the border.

      1. Avatar
        Alpha Beez

        Thanks, you mention above that you had to go through some further hoops with Chase. Did they ask for verification and what did you have to provide?

  83. Avatar
    Harry A.

    I’m trying to apply for TD Bank Aeroplan Signature Visa and I found this form to be downloaded and faxed once completed. Is this the one that I should use.

    1. Avatar
      Ricky

      I believe you can apply online if you have a SSN/ITIN. If not, then yes you use the downloaded/faxed form, or you can just call TD Bank to do the application over the phone.

  84. Avatar
    Emmanuel Lee

    tl;dr: MyMallBox does NOT forward credit cards.

    My AmEx Gold card arrived to my MyMallBox today, but when I logged in it was marked "canceled". I emailed customer service and they notified me: "Due to an overwhelming influx of credit cards being sent to MMB, we feel we must address this issue with our customers. Currency is one of the Prohibited Items that we can not ship under any circumstances and credit cards and bank cards fall under this category. Please contact your credit card company to send your credit cards directly to your home. We are sorry for the inconvenience this has caused you."

    1. Avatar
      Ricky

      Yep. Recent change as of early 2019 I believe. Hence why I recommend 24/7 Parcel going forwards.

  85. Avatar
    Dee

    Thanks Ricky, I have a Canadian Amex card, a US bank account and property in Florida. I was able to get the Hilton Amex US credit card without any difficulty. They are sending it to my US address but if you call after 10 days of the set-up date, they will cancel it and re-submit to your Canadian address. I just set it up as a payee on my US account, online billing and easy to pay! Waiting for my ITIN # ….. fingers crossed!

    1. Avatar
      Ricky

      Good to know!

  86. Avatar
    Rick Cuzzetto

    The TD Convenience Checking account isn’t just affordable, it’s free if you maintain a $100USD balance. And if you already bank with TD, you can access the US site through the Canadian Easyweb portal without having to log in separately.

  87. Avatar
    Steve Jones

    I obtained the Amex SPG, and Amex Hilton Ascend through the Global transfer in December, and applied for the ITIN in parallel. Now I have both, how do I add the ITIN to the existing cards? I assume I am not building a credit history currently?

    1. Avatar
      Ricky

      You’re building credit history with only your name, DOB, and address. To attach your ITIN to the credit file, simply include your ITIN on your next credit card application.

      1. Avatar
        Vince

        Does it matter if that second application is for a business card?

        1. Avatar
          Ricky

          That should be fine, since you’ll still be building credit history with your first personal card.

          1. Avatar
            Kj

            With that business card woupd you be building business credit? Do you have any articles on building business credit as a Canadian?

            1. Avatar
              Andrew

              As far as I know, there’s no such thing as "business credit". Typically either the owner is liable for the card (as is the case with the majority of individuals holding a business card for their "business") or the issuer has dealt with the company enough to extend them credit.

              As an example, American Express looks at your profile, including both personal and business cards when considering applications for additional credit, so you don’t want to be delinquent on your business cards. 🙂

  88. Avatar
    Praveen

    Is anyone having trouble getting a card through Amex Global Transfer? Despite providing an ITIN number and a US TD bank account with US address, Amex is asking for US documents like a passport or driver’s license to prove I live in the US.
    PK

  89. Avatar
    KV

    Given your experience here, I was hoping to get a little more information on what exactly Canadians are required to "claim" when they are applying for US credit cards/ITIN? Are you required to say you are currently/will be a resident of the US?

    1. Avatar
      Ricky

      You’re claiming to the credit card companies that you are a US resident. But in applying for an ITIN, you’re claiming to the IRS that you are a foreign resident that should be exempt from US tax withholding. It’s all a bit complicated.

  90. Avatar
    M0

    For mail forwarders that use the PMB designation like 123 Anywhere St PMB#456, can you change PMB to STE? Or would you just omit the PMB part and keep the # symbol.

    1. Avatar
      Ricky

      Yes I don’t think there’d be a problem with either of those options. #456 sounds very reasonable to use.

  91. Avatar
    BG

    What do you think about the boa Alaska card? I got cold feet when I got to the step where they asked if I was a resident alien. Think only boa does this.

  92. Avatar
    J

    Interesting article – thanks Ricky.

    For those who have experience with this – best way to pay off these US credit cards from a currency conversion standpoint? I know I’ve heard of KnightsBridge in the past but would love to know the process for those involved.

    1. Avatar
      Andrew

      I’ve personally used a few different methods, CIBC Global Money Transfer when they had a promotional offer available, Transferwise for smaller amounts of money or depositing a USD money order through e-deposit. KnightsBridge works well, although you need to call them to setup the transaction. Others use Norbert’s Gambit but that’ll be more complex and more of a DIY transaction.

      1. Avatar
        J

        Appreciate the response. I am aware of Norbert’s Gambit but wouldn’t be transferring money in such a significant amount that it would be worth it.

        Looks like I need to get around to setting up a TD US account in the near future.

  93. Avatar
    Andry

    Hi Rick,

    I am in the process of registering to the Amazon publisher and in the final stage got this question "Are you acting as an intermediary agent, or other person receiving payment on behalf of another person or as a flow-through entity?"

    Well technically for us as publisher is no but you mention in the article "Therefore, I’d recommend giving the IRS a call and speaking with an agent to verify that the ITIN is filled in correctly for the intended purpose (i.e., claiming the tax treaty benefit of third-party withholding on passive income)."

    Would you be able to advise?

    1. Avatar
      Ricky

      You aren’t acting as an intermediary for anyone when signing up for Amazon. The "third-party withholding" is referring to Amazon’s withholding taxes on your earnings as a non-resident alien, which you’re looking to avoid by applying for an ITIN.

  94. Avatar
    Jim

    When I opened a TD bank account, I was asked to complete a W-8BEN form. Any idea what this is for and how to complete it?

    1. Avatar
      Andrew

      The W-8BEN form (from my understanding) is a form that the IRS requires for foreign account holders (at least I’ve only seen it used for financial accounts). By filling out the form you’re telling the bank and the IRS that you’re a foreigner so please do not withhold taxes (or do it in this manner) and income tax will be declared on my home country’s tax return.

  95. Avatar
    Jules

    @Evan: in my latest attempt to obtain the Chase Ink Preferred, I encountered an issue which Ricky doesn’t mention in this article. Specifically, Chase requires you to submit a utility bill and other documentation proving the address and name of your small business. The utility bill requirement is a major roadblock for me.

    1. Avatar
      Ricky

      I’m not exactly condoning this practice, but one way to get around that is by providing an alternative document like a lease agreement as address verification. After all, many people are renting their places and don’t have line of sight to the utility bills…

  96. Avatar
    Evan

    Hey Ricky, did you manage to finally get a Chase Ink Preferred?

    1. Avatar
      Ricky

      Never did get approved for the CIP, but I’ve since switched gears and decided to go for the hotel cards instead, since they’re all under 5/24 now. I got the Chase IHG recently (after reconsideration) and will be going for the Hyatt next.

  97. Avatar
    steve

    Thanks for this. I have had the TD convenience banking account/cross border account with TD Canada Trust for a number of years and have used the TD Bank visa/debit card a number of time when in the US. I will be in NYC in a few weeks and was wondering if you know of any advantage of going to a TD Bank branch and applying for a US TD credit card using my Canadian TD banking info? Will having a US address still be required (that is if they will take an application)?

    1. Avatar
      Ricky

      I believe a US address would be required for the TD US credit card, yes, even if you apply in-branch.

  98. Avatar
    Steve

    Hi Ricky,

    Very informative posts, Ricky. My main bank is CIBC but notice you refer to the other big Canadian three specifically when referring to opening up a US account. Is there any reason for this? Is there a history of people having a more difficult time with CIBC US subsidiary? Thanks!

    1. Avatar
      Ricky

      CIBC US definitely works as well, I recently opened a US bank account with them. Just hadn’t done so (or heard anyone else doing so) back when I wrote this article. Go for it!

  99. Avatar
    Sam

    Hey,
    Thanks for your post.
    I was debating for long time about opening and grabbing U.S credit card. I’m a banker in major bank in Canada and I didn’t have time to get into the game.
    I took some time off and wanted to see how fast I could jump the boat. In one week I was approved for AMEX Hilton, RBC credit card both has no fees, plus I opened a U.S account online.
    All done online, just need to know what are you doing. AMEX Hilton sign up bonus 75K after 1000$U.S spend which is fairly achievable, plus no foreign transaction fees.
    Send me an email to help you put your feet into the generous sign up bonus that U.S credit cards offers.
    BTW, you will be able to sign in online on the same day of approval and before receiving your card on the mail. Tje offers they have are really tempting, like spend $1000 on Hilton and get $200 back on credit statement. Waiting for your emails if you have any questions.
    thinksmart1981@outlook.com

  100. Avatar
    Nikki

    Does anyone have updated instructions on filling Form W-7? Seems that people are getting denied more often using Pointsnerd’s.

  101. Avatar
    Jason Lee

    Great article Ricky.
    Few questions though.
    1. In step 4, can’t you start off from AMEX USA? is the bridge step of creating one in Canada first necessary?
    2. The mailbox service, once you receive your credit card and get it mailed, do you cancel the mail service or keep paying them?

  102. Avatar
    Santhosh Chakkungal

    Hi Ricky

    Since myMallbox is a no go because of change in their policies regarding credit card. How about 24/7 do i have to be present to signup for the mailbox services or can it be done remotely. They have contradicting statements in the website that they do not forward mails but there is a $1 handling + postage fees mentioned in their website. Its also mentioned that they accept only cash as payment . Since you use their service let us know how to open the account and operate the same.

    1. Avatar
      Ricky

      Email them and they’ll be able to set up an account for you. You can pay for it online and don’t need to visit the location.

      1. Avatar
        Harry

        Ricky as per the USPS tool link you have posted in the article, 24/7 has a "Y" under Commercial mail receiving service – not "N".

        1. Avatar
          Ricky

          Which location are you looking at? The Niagara Falls one is still N as far as I can tell.

  103. Avatar
    Louis

    Hello Ricky
    To establish our history, you suggested the blue American Express credit card. Is my RBC Visa US no annual fee is good?

    1. Avatar
      Ricky

      That’s also a good choice!

    2. Avatar
      Chris

      +1 in same boat.

  104. Avatar
    Joanne Feyerer

    I’m just wondering why I had no problems opening up a Kohl’s charge account with none of these steps. Have also had various other cards with no issues. Seems to me the big boys should be able to check in you as well especially if you already have Canadian version. I’ve also made large financed purchases based on my Canadian info.

    1. Avatar
      Maria Poole

      How did you get a Kohl’s charge account without using an SSN?

    2. Avatar
      Ricky

      In general, store cards are much easier to get than the major Amex/Chase/Citi travel rewards cards.

  105. Avatar
    Reed

    Anyone have a good mail forwarder they recommend. Seems mymallbox just changed their policy to that of shipito now..

  106. Avatar
    tinkoo

    Hi Ricky

    I plan on starting my adventure with US credit cards, and I did have a question. It seems like the process will take about 4-5 months and i was wonder if it be best to apply for a CDN Amex no annually fee card ( Blue Sky Card) now and use that card until I am able to apply for US credit card. This would allow me build a reputation with amex and I can then do a global transfer. Another option is I could apply for the amex gold too get the bonus and then transfer to the US. My ultimate goal is to get the US platinum card. Can you also double dip the bonus with Cdn and US version of the card? I want to maximize all the bonus points.

    What Would you recommend.

  107. Avatar
    Dirty Harry

    Disregard my last comment I guess it is possible to get TD to open an account with your US address.

  108. Avatar
    Dirty Harry

    Opened a TD US bank account, but they have my CAD address on file.

    Amex asked for address verification via a statement from a US bank. That statement has my Canadian address.

    It’s not possible to get TD to open an account with a US address.

    Seems I’m at a dead end.

    1. Avatar
      Evan

      I am also stuck in this predicament. Were you able to solve this issue?

    2. Avatar
      karin khera

      Which address did you go with? Also which account did you open? I currently have the Borderlesss Plan from TD, do you think this will work.

  109. Avatar
    Pablinho

    Any idea about applying for Barclays cards? I just saw the new Arrival Plus, and was wondering what would take to get approved. I have 4 Amex and around 8 months of history.

    1. Avatar
      Ricky

      Someone correct me if I’m wrong but I think Barclays is one of the issuers that don’t accept ITINs unfortunately.

  110. Avatar
    BTB

    This is how we got US credit cards. We are Canadian residents with a snowbird American address. We opened a TD $US account in Canada which gives you the ability to do cross border $US transfers to TD America. We then went to a TD America branch in Florida and opened a $US account on the spot and applied for a TD $US Visa which they sent to our US address in 3 days. IF you are over 60 your account has no fees and your cross border currency transfers also have no fees We then applied for an Amex Blue Cash Back Card which we were approved for without a SSN or ITIN {which to me seems like a lot of work} and Amex gave us a $ 500 US credit when we spent $1500 in the first 90 days. I’m not sure they still give that kind of incentive but I am sure they still have something in place Talk to TD its the shortest, easiest and fastest route for Canadians. As an alternative and backup we also have a Rogers Bank World Elite Mastercard. It gives 4% cashback on all out of country purchases no limit and 1.75 on all purchases in Canada. The 4% covers the 2.5% -3% exchange commission that all banks and currency exchanges would charge but that still nets us out 1.5% in cashback after the fact. When you are all set up forget your US address if you set one up and do everything on line for statements, payments and notifications. If you need a temporary US address for 50$Cdn you can use mine and If there is any mail I will forward it on to you. I can be reached at seniorsrule65@gmail.com

    SENIORS RULE

    1. Avatar
      Nadya E

      Hey there,
      This is an interesting info, thanks for posting it! Seniors definitely rule!

      I have a question – how exactly did you apply for Amex Blue Cash Back Card ? Did you already have an Amex account?

      When I click on the link above, it does ask me for SSN/ITIN.
      I tried to click in the pop-up message "Don’t have a Social Security Number or Individual Taxpayer Identification Number? Apply here if you are an international American Express Card Member applying for a US card.", it redirects me to the online login for existing customers. Looks like I have to have an account with them first?
      I am curious what were the details of your process here.

      Thanks a lot!

      Nadya from livingoffcloud.com

  111. Avatar
    ChocolateFactory

    German citizen here. I successfully used Smashwords+Shipito+Global Transfer about a year ago to get a US Amex Platinum card. What I didn’t know, though, was that you can only do a Global Transfer once. For all other Amex applications, you’ll have to wait until you have built credit history. Unfortunately it seems like a charge card isn’t ideal to start with as no credit limit is reported, etc.
    I have now had the card for about 7 months and the Amex app doesn’t show my FICO score ("unknown error").
    The tools for checking your credit score all either don’t accept an ITIN at all, or I fail the identification questions: Year of birth etc. is all good, but then they start asking which US high school I went to, or who I used to live with earlier (probably other Shipito customers). Selecting "none of the above" doesn’t get me access…
    I was able to get a credit report from Equifax that lists my Amex card, but that doesn’t contain a credit score either.
    I can’t even call them because their hotline requires a valid SSN…
    Any idea how to see my credit score?

    1. Avatar
      Seb

      Hey there, I contacted smashwords and they said they don’t give out ITIN applications anymore? Work around for this?

    2. Avatar
      Ricky

      Recent reports indicate that you can do Global Transfer more than once. You just need to initiate it from a different Canadian credit card. I’ll write something about this shortly.

  112. Avatar
    Mahdi Eslami

    Hi Ricky,
    How did you opened US TD convenience account? Online or in person.
    Which address did you provide,
    When I tried to apply online, it asks are you Canadian citizen or US citizen?

    Thanks.

    1. Avatar
      Ricky

      Hi Mahdi,

      It was opened online. There are different forms for Canadian residents, which allow you to enter a US address and a Canadian address. That’s the one I used – I was then able to use my US address as verification for the US credit cards, and also have stuff from TD Bank shipped directly to my Canadian address, which is very useful.

      You can also go through the same process over the phone if you’d like.

      1. Avatar
        John

        Hi Ricky, so when applying for a TD account (TD Convenience Checking) online, should I put my Canadian address as the current legal residence one and the US one as mailing one? Or am I filling the wrong form? Thanks!

      2. Avatar
        Mahdi Eslami

        Thanks Ricky,
        So I’ll proceed with option: Canadian citizen

        Cheers,
        See you on Nov 3rd @ Sheraton Wall Center

  113. Avatar
    kooper

    Ricky,

    Shipito changed their policy in March or April. Their terms and conditions state specifically that they will not ship credit cards.

  114. Avatar
    Emad

    In the W-7 Form, Should we include our US address for the applicant’s Mailing address or only the Canadian address?

  115. Avatar
    Kelvin

    When you open up your TD bank account, do you put Canada as your mailing address, so that technically the address associated with your US account is the US address that you signed up for an AMEX account with?

  116. Avatar
    Emad

    Hi
    Question: When we open a USD Account. Should it be a Cross Boarder US account based in Canada or should we put as residents in US using the US Address we have?

  117. Avatar
    Alex Ranieri

    Hi Ricky,
    I am a Canadian Citizen, have a US credit bureau with one credit facility and a score over 700.. I am looking to build credit in the US. I have been denied several times due to lack of credit history. I also do have an ITIN but apparantly its not linked to my credit bureau. The bank said I must call Experian in the US to link the credit bureau to the ITIN, I have made that call and Experian says they don’t do that, the bank needs to do that. I have a US address , US bureau, ITIN and I am still stuck… any suggestions? I have tried with TD, Capital One, Wells Fargo. Thanks,

    1. Avatar
      Ricky

      Hey Alex,

      Try using Amex Global Transfer to set up your first credit card – you can attach the ITIN to your application and start building the credit file that way.

  118. Avatar
    Chang Woo Park

    If you go through with all of this:
    A. Wouldn’t you need a credit built up prior to applying any credit cards since you just created one without any foundation etc?
    B. Would I need to pay taxes to IRS if I don’t get "paid" on these sites such as Smashmouth or the Amazon Kindle?

    1. Avatar
      Ricky

      Hi Chang Woo,

      A. Nope, the idea is that you start a new credit history by applying through a channel that helps newcomers get credit in the US, such as Amex Global Transfer or TD’s Cross-Border Banking.

      B. No – since you don’t have any US-domiciled income, there’s no taxes to pay.

  119. Avatar
    David

    The income with American Express should already be approved through your Canadian credit history.

    Here’s an update I finally got my US CC from American Express, I picked it up in person from Minden, Nevada as they will not send CC’s through the mail unless you have mail forwarding set up is what I was told. This week I received an email that the Minden Nevada Shipito location will be closing. That leaves only Hawthorne, CA as an option as it shows up as ‘N’ and not ‘Y’ their other location in Tualatin, OR is marked with a ‘Y’ on https://tools.usps.com/go/ZipLookupAction!input.action I think I may just change my address to a friend or family member, perhaps I’ll try to the CA location or maybe find another mail service. Now I’ll have to change my address on my TD Bank US and American Express US accounts.

  120. Avatar
    Ricky

    Reposting this question from below since nobody answered it:

    Sam Hancock 6 months ago
    Has anyone had to verify income with Amex to get their Global Transfer approved?
    If so, how did you do this?

    Thanks!


    I’m having the same issue as this guy. Then want IRS tax documents prooving income :S

  121. Avatar
    HRB

    Hi Ricky so i’m about to signup for the amex blue like you recommended to get my foot in the door with Amex (note: I already have RBC US bank visa cc). Do you know of any secondary website like http://www.ratesupermarket.ca in the US that will give me an additional sign-up bonus?

    1. Avatar
      Ricky

      Unfortunately I’m not familiar with any sites like that, although perhaps someone else can chime in here if they know.

  122. Avatar
    Greg

    If Amex global transfer will I lose my Canadian credit card

    1. Avatar
      Ricky

      Nope!

  123. Avatar
    Zoe

    did you set up your US based bank account using your US address first? or using your Canadian Address and then change it to your US address later on? (as during the application, they are asking how long you’ve lived at your US address.

    1. Avatar
      Ricky

      As part of Cross-Border Banking, the TD Bank application allows you to apply as a Canadian resident and include both US and Canadian addresses when you apply (there should be an option to choose whether you live in the US or Canada when you apply online).

      This way, you can use your bank account to verify your US address with Amex, Chase, etc. while also getting your mail from TD Bank delivered to your Canadian address.

  124. Avatar
    mew

    im having a hard time getting a letter from any company. i guess they have figured this out

  125. Avatar
    Tom L

    I am about to proceed with the Amex Global Transfer,
    1) do you recommend calling in or doing it online?
    2) I also don’t have a US phone number, is it okay to just say my canadian phone number?
    3) What should i say for employment reasons, as I’m still working in Canada and not technically moving there.

    1. Avatar
      Ricky

      1) Both will work. Calling in gives you more assurance that the Global Transfer is completed properly, in my experience.
      2) Yes, use your Canadian phone number.
      3) People maintain US addresses for all sorts of reasons. You could say that you work in Canada but spend some time in the US.

  126. Avatar
    chris

    Hello Ricky

    I see that in shipito’s user agreement, they do not forward government ID or credit cards, etc. Is there any other forward company that can be recommended?

    Thanks you for sharing those experience with us!!

    1. Avatar
      Ricky

      I hear MyMallBox works well at the moment. I personally use 24/7 Parcel, although they charge an annual fee.

      1. Avatar
        Harley

        I am assuming that the terms in the user agreement have been outlined for a while but I was able to receive my amex credit card as recently as April. Are there reports now of people not being able to forward their credit cards?

  127. Avatar
    Jd Gill

    I got a document from Amazon kindle that can be used to get ITIN, all you have to do is enter the current date and your name then attach it. I can share it if someone needs it.

      1. Avatar
        Mahdi Eslami

        @gmail.com

      1. Avatar
        Ricky

        Please get in touch via the contact form in the top right-hand corner and I’ll be glad to help.

    1. Avatar
      Yves

      Hi Jd Gill, how can I reach your if I want a copye of that document?

  128. Avatar
    Saad Mahmood

    Hi Ricky,

    With the smashwords.com or Amazon’s Kindle Direct Publishing trick so public for Canadians, is it likely that IRS might recognize the ITIN support letter as just an attempt to get the ITIN number for churning credit cards? Would they reject the ITIN application or take any other action against us?

    I really want to step into the US credit cards market but don’t want to make a mistake that it would ruin any future prospects.

    As always your experience sharing is most appreciated!!
    Thanks.

    1. Avatar
      Ricky

      Hi Saad,

      I don’t think the IRS is likely to take such an action. Instead, it may be that Smashwords or Amazon start to find the influx of ITIN support letter requests to be too burdensome and stop doing so (in fact, most data points indicate that this has already happened with Smashwords, unless you do in fact publish and sell ebooks).

      I’d advise to get in the game while it’s still good. You won’t make any mistakes that will ruin your prospects; the worse case scenario is that you have to try again.

      Cheers
      Ricky

      1. Avatar
        Saad Mahmood

        Thanks for the quick response.

        I acted on you advice and started the process with Amazon KDP. It asked my tax information is filled a "Form W-8BEN, Certificate of Status of Beneficial Owner for United States Tax Withholding and Reporting (Entities)".

        Is that okay or if I fill this form I will not be able to request ITIN?

  129. Avatar
    BG

    Hi Ricky: Can you get the TD US card to build your US credit? so you won’t need amex global transfer?

    1. Avatar
      Ricky

      Yes. However, Amex cards offer some of the most lucrative bonuses in the US, so Global Transfer is a great way to get a head start on obtaining those bonuses.

  130. Avatar
    david

    Smashwords no longer requires their publishers to have an ITIN to receive payments.

  131. Avatar
    Michael

    This is a great article, thank you so much. Iv run into a snag though. Iv contacted smashwords requesting the ITIN similar to what is shown… they replied with this.

    Thanks for writing in. Since you’re new to Smashwords, there’s a lot to do: setting up your new author or publisher profile, publishing your book, promoting your content, and providing your tax certification and payment information. A letter in support of an ITIN application can be provided once your account is well-established and earning regular royalties.

    For now, to receive payments from Smashwords, you’re not required to have an ITIN. You may certify your tax status by providing the tax identifying number issued in your country of permanent residence on line 6 (foreign TIN) of your Payment Settings.

    Does anyone have any suggestions as to what I can try? Im trying with amazon but it seems more complicated.

    Can anyone help?
    Please email me.

    Thank you in advance!

    Mike.j.miller@hotmail.com

  132. Avatar
    Mike

    Would I be able to add an AU (authorized user) to the CC if the person was an American? What if they were a Canadian?

    1. Avatar
      Ricky

      Yes if the person is American. Note that unlike in Canada, US credit cards require SSN/ITIN info for authorized users as well, and these cards report to the authorized users’ individual credit files.

  133. Avatar
    Brian

    HI Ricky:

    In the process of going for us cards and have some questions.
    1) I am thinking of using TD for us account but their branches are in eastern US. My relative’s address is in CA. Will that be a problem when I apply for cc?
    2) should I give my Canadian # when bank askes for a phone number? some mentioned that I should use a us one. I could use my relatives, but thought my own would be more convenient.
    3) do you call if you application doesn’t give instant approval or wait?
    4) hopefully you will have time to do a comparison of US points. I live in the west coast and am not sure if chase/amex/citi’s transfer programs are as useful as for the Americans.

    thanks,

    1. Avatar
      Ricky

      Hi Brian,

      1) Based on what I’ve heard, I don’t think this is a problem. I know people have used TD Bank with Shipito, and Shipito has their addresses in Nevada.

      2) Yes, your Canadian phone number is fine.

      3) I usually call and see what’s holding up the process. Usually I get asked some ID verification questions.

      4) Check out the "Maximizing US Credit Cards for Canadians" post, since it covers some of the best ways to use US credit card points.

      Cheers
      Ricky

  134. Avatar
    jamie

    I tried setting up a US convenient chequing account with TD but they don’t offer Arizona as one of the states that you can enter as a home address, any suggestions on what to do? I have my ITIN now and was hoping to send my bills to my parents house in Arizona. I also have a credit card set up with RBC if this helps.

    1. Avatar
      Ricky

      Try giving TD Bank a call and see what they say. I can’t imagine they’d be unable to register a client from out of state.

  135. Avatar
    Michael

    I received the credit card in my mailbox via Shipito, but I am not able to receive it anywhere in the US or Canada because they will not forward the credit card package to me. They declined it after my repeated requests. Local pick up is the only option (and it will cost me $600 for flights and $100 rent-a-car). Anyone to help me?

  136. Avatar
    David

    Here’s an update of my progress during the last 3 months. I seem to have most things ready. I have my TD accounts set up on both sides of the border, meaning they are linked and funded. I have my ITIN now which I got by sending in a certified copy of my passport and the letter that I received from Amazon for my future book sales. The ITIN letter arrived and it says it’s good for about 3 years, by then I’ll have to make sure I’ve filled a tax return or I risk losing the number. As for the credit cards, I am preparing my accounts to apply for the TD card and the American Express credit cards. For the TD card on the form I’ll select YES since I am in my transition phase to living in the US. On my next trip to the USA I’ll bring the credit card application form + the letter from the IRS showing my ITIN so that I can get that on file. I changed my address on my TD account to my US SHIPTO address… when I call in later I’ll explain how it wouldn’t let me add both of my addresses and ask if they can add my Canadian address so that I can have both on file. Upon approval the CC, I’ll ask that for the time being they ship cards and statements to my Canadian address. As for the American Express card, I have made much progress there, I will give it a try later this week. I was considering using my Canadian SPG card which is expiring soon to use for my American Express possibly the US SPG card application. Is it better to call in for this application or do it online?

    Now for the Transferwise… this seems to me to be one of the best options out there, and the service is improving all the time. Is having the same name on the Transferwise, US and Canadian bank accounts important? If I have my first and last name on one account, another account with my first, middle and last name, and the other account first and last names but only the initial for the middle name is that major problem for sending transfers?

    1. Avatar
      Seb

      You got a mailed letter from Amazon or was it a digital copy? How did you fill out the W7, did you follow the instructions they give?

  137. Avatar
    Mark

    Smashwords no longer does this. Please remove mention of Smashwords.

    1. Avatar
      Ricky

      Actually you just need to publish an ebook to receive the ITIN supporting letter. I’ll add this to the article.

  138. Avatar
    Wilson

    Just wondering if anyone who has applied for a US Amex card has ever been asked to fill out a Form 4506-T (Request for Transcript of Tax Return) and what they did for that?

    I used to work in the US many years ago and therefore have a SSN, but haven’t filed a tax return in years. I applied for the US SPG Amex card the other day and got an email requesting a Form 4506-T. I opened my first US Amex credit card 4 months ago. I called them up to explain that I do not work in the USA and therefore do not have any recent tax returns. They told me they could accept a pay stub that it would have to be from a US company.

    So I seem to be stuck because I can’t move on on their process, and it seems like if I don’t submit the form within 30 days they will just close the application. If I were to reapply later this year for another card would i be asked to fill out one of these form again? I guess my worst fear is that I’m be stuck in a limbo state where they won’t approve any cards without the form and I cannot provide the information they’re requesting.

    1. Avatar
      Ricky

      Hi Wilson,

      When this happens, people have generally had success letting the application lapse (after 30 days) and then reapplying later. It’s not necessarily the case that they’ll ask for the form again.

  139. Avatar
    George

    Hi Ricky,

    Do you apply for these cards exclusively online? Phone? In person?

    Spoke to a rep at a nearby Chase branch and they said they don’t accept ITIN for credit card applications… did you have luck and how did you do it? Does having a Chase bank account help?

    1. Avatar
      Ricky

      Hi George,

      Most people in the US have no idea what an ITIN is. It’s not really something a branch representative would know about, so I’d take that with a grain of salt.

      In general I apply for these cards online. Having a Chase bank account helps get approved faster, by some accounts, but you should still get approved eventually if you let your credit file age for 12–18 months.

  140. Avatar
    Kay

    Ricky,

    Thanks terrific, succinct article and fully explanatory for Canadians trying to get US cc’s. I really appreciate your clear writing.

    I’m a Canadian who used to work in the U.S. so I have a SSN. I was able to get a Chase Freedom Unlimited in Nov 2016. I applied for a Sapphire Preferred after 6 months and was denied saying I had a thin credit file. I applied again Apr 2018 just now and was denied again for the reason of not enough credit history. It’s been 1 1/2 years already and I’ve used it for practically everything. My credit score in the US is over 750 with each of the 3 credit agencies. No late payments, always in full, no black marks against me whatsoever. Household income is $100,000+.

    I have the opposite of a thin credit file in Canada with a credit score 825 and a hefty mortgage and payments which are always on time and in full. My question is, is it at all possible to offer information from my Canadian credit file or at least refer to it, when arguing with Chase Reconsideration for approval for the Sapphire Preferred card?

    1. Avatar
      Ricky

      Hi Kay,

      As far as I know, you can’t offer Canadian credit file information for Chase. I hear that opening a US checking account with them helps you get approved for cards much easier, so you may want to give that a try if you already have a presence in the US.

  141. Avatar
    Harley

    Thought I’d share my experience as well – I followed all of the excellent instructions laid out here and set up my US account via Shipito. I successfully applied for an Amex card which was sent via UPS to my Shipito address. They forwarded it to me without any issues a few months ago.

    More recently I applied for another Amex card which was also couriered to my address, but this time they said they could not forward it to me without my completing a Form 1583 (https://about.usps.com/forms/ps1583.pdf) which requires a notarization. A quick Google search seems to show that most people don’t bother completing this form because courier packages are supposed to be except from this.

    Has anyone had any experience with this? I will go ahead and get one done despite the hassle because I plan to continue applying for US cards, but wanted to give people a heads up that if they use Shipito, you may have to get one of these forms done as well

  142. Avatar
    Adam

    Followed everything…on the phone with Amex global transfer….they said that there is no option to provide ITIN. Only SSN are accepted according to them…even with global transfer. Still need a US address though, however they didn’t ask about my bank either. Not sure if this is good or bad, but thought I would post.

  143. Avatar
    Mark Smith

    I was able to get a Visa card with TD bank in the USA because they have a program that communicated with the Canadian arm and used a Canadian credit check to get me credit in the USA even though the account does not show up on my Canadian profile. I have the new RBC Signature US card, that was easy as well applying through Canada. The BMO Harris Card gave me grief as I needed a US address in a specific servicable state. Aparently if you have Private Banking (about $120 per month), your private banker can get you one no problem. The best card offered for rewards I think is the TD Cash card. Check out it’s cash back tiers!!!!

    1. Avatar
      Adam

      I understand the TD Visa is obtainable through TD Bank due to the cross-boarder banking relationship, but while it uses your Canadian credit history, does it then report to American credit bureaus and build American credit?

      Getting your first card is one thing, but establishing American credit is another (which is sort of the point of the article) because otherwise you won’t ever have access to other US Credit Cards (due to no credit history) and would be forever locked into the credit cards which are established by Canadian/US banks (TD or RBC only).

      Curious to know! Thanks for the info 🙂

      1. Avatar
        Ricky

        I think that you’re able to attach a SSN/ITIN to that application, in which case it would start building a credit file with the SSN/ITIN linked to it. Even if you didn’t have a SSN/ITIN, it’d still build a US credit file (since it’s a credit card issued in the US), but it would just be associated with your name, DOB, and address.

  144. Avatar
    Tom

    Do you tick off "yes" to if you are residing in the USA? If yes, what can you say if they ask why you are in Canada for work?

    1. Avatar
      Ricky

      You could say any number of things, including the fact that you are a regular commuter, you are in the process of being transferred to the US, or simply maintain a residence in the US (think snowbirding). However, the question is unlikely to come up in the first place.

  145. Avatar
    Nick

    Ricky –

    First off, great article, was very helpful in helping met set up all the necessary infrastructure to get ready to take the plunge into US credit cards. I just got my ITIN and had previously gotten the US TD Visa Infinite, so now I’m itching to pick up some more US based cards. I was wondering – did you end up writing the "later article" you allude to at the end of this post? Would love to get your view on the pathway / next steps before I go further!

    1. Avatar
      Ricky

      Hi Nick,

      Yes you can check out the subsequent entries in this series at the navigation bar at the top of the article.

      Cheers,
      Ricky

  146. Avatar
    Mayank

    Hi,

    Thanks for this useful information and your step by step process. However, RBC US bank gives us dollar credit card to Canadians. No need of US address, no SSN, no US credit history. They will use every information of yours belongs to Canada. Here is the link https://www.rbcbank.com/cross-border/us-credit-cards.html.

    They also offer chequing account.

    Bingo????????

    1. Avatar
      Ricky

      Hi Mayank,

      While that’s true, a large part of getting a US bank account is that you can use your chequing account statements to verify your US address with credit card issuers. If you just include your Canadian address, you wouldn’t be able to verify your US address this way.

      Cheers,
      Ricky

  147. Avatar
    Jake

    Hi Ricky,
    When filling out an application for a credit card, do you check yes when it asks if you are a us resident? I have been having troubles with them requiring you to be a us resident as I have been checking no (although I have the us address set up and everything).

    1. Avatar
      Ricky

      Yes – you have to be a US resident to be eligible for most US credit cards.

  148. Avatar
    Sam Hancock

    Has anyone had to verify income with Amex to get their Global Transfer approved?
    If so, how did you do this?

    Thanks!

  149. Avatar
    T

    Hi
    Has anyone had difficulties registering for a TD Bank account? If using a ShipItTo address, the TD Bank Account registration does not allow NV has a state location. So not sure how to regsiter for the TD Bank account. Thoughts (thanks in advance)?

    1. Avatar
      Wandering Steve

      Register for the TD Bank account with your Canadian address and then change it in the settings afterwards.

  150. Avatar
    Fred

    The letter that smashwords sent to me shows my canadian address, will this still work? (Since I sent it here)

    1. Avatar
      Ricky

      Yes, since the whole idea is to show that you are a foreign resident and therefore require an ITIN to avoid withholding tax.

      1. Avatar
        Kevin

        So to get a US Credit card you need to tell the IRS that you are none resident.

        And tell the bank that you are resident ?
        (Ricky "Yes – you have to be a US resident to be eligible for most US credit cards.")

        Is that correct ?

        1. Avatar
          Ricky

          Pretty much.

  151. Avatar
    Ethan

    This doesn’t work anymore. TD won’t let you open a US bank account without an ITIN, and to get the ITIN you need the US bank account. This was recently mandated.

    Loophole closed.

    1. Avatar
      Fred

      Just visit a TD Bank branch in the US. I opened an account in Boston with TD a few months ago.

  152. Avatar
    Steve

    Ricky,

    Does je matter if your US address is in a different stat than your bank? I’m sure others have run into this issue.

    Td isn’t located in Nevada where shipito bases their addresses out of.

    Thoughts?

  153. Avatar
    Ethan

    I setup an account with 247 Pickup but they listed the address as a "Commercial Mail Receiving Agency" with a "Y" instead of an "N".

    Any way to fix this? I feel like if I ask them directly to change that it will be suspicious and they won’t oblige.

    1. Avatar
      Ricky

      Which 24/7 Parcel location is it? Perhaps they changed it recently. Your best bet would be to find an alternative mailbox provider, since like you said it’s unlikely such a request would be taken seriously.

      1. Avatar
        Ethan

        It was the one in Blaine.

        I setup with Shipito after that and they want a notarized form of the 1583 form ($40 usually here in Vancouver) + mailing costs. At least when you look up the address it has "N" for the Commercial Mail Receiving Agency, unlike 24/7 Parcel.

        Also I emailed 24/7 Parcel about the issue and they wouldn’t budge (as expected – it is a loophole after all).

        So it looks like only choice about is Shipito, and you’ll need to shell out a bit of cash and time. Anybody have an alternative?

  154. Avatar
    Steve

    Sweet stuff Ricky.

    Question – obviously this has zero impact on Canada in credit, etc correct?

    Any legal implications if you’re "caught"? You mentioned it want illegal but what are, if any, the worst case scenarios?

    1. Avatar
      Ricky

      Worst case scenario would be your US credit card accounts get shut down, meaning you end up back where you started. No impact on Canadian credit file (besides the fact that if you apply for the TD US Aeroplan Visa they judge your application based on your Canadian credit if you haven’t established US credit yet).

  155. Avatar
    Harley

    Hey Ricky, appreciate the really helpful step-by-step guide. I have a question. I too bank with TD Canada Trust and so was going to open the Convenient Checking account. In the application it asks for my address – I assume I should use my Canadian address, or should I use my US one (the one I created from Shipito)? Thank you!

    1. Avatar
      Ricky

      Use your US address. This way when the credit card issuer wants to verify your address, you can use your bank statement.

  156. Avatar
    Freddy

    They don’t care if it’s canadian address based?

    1. Avatar
      Ricky

      I don’t recall if Employer Address is one of the fields you have to fill in – I think some lenders don’t require it. In any case, the application is based on your home address and not your work address anyway, so I don’t foresee an issue.

  157. Avatar
    Fred

    What do you fill in under employment details? For the cc applications?

    1. Avatar
      Ricky

      My normal employment info, of course.

  158. Avatar
    G. Anoini

    Hi Ricky,

    Great article! Thanks so much for writing about this.

    I’ve been trying to build my US credit score for the past four years. I have three US credit cards (small balance owing) a checking and savings account with a small balance. I think that I’m finally ready to take the plunge to apply for the Chase Reserve (I missed out on the 100k bonus points) or the AMEX Platinum. I’m leaning towards the AMEX but I don’t know if they have the 1:1 ratio transfer to an airline. But I like their amenities (more airport lounges, boingo WiFi, gold status on some hotels) better than Chase. But it’s also $100USD more.

    I’m also looking into the Canadian AMEX which appears to be similar to the US AMEX and with the currency conversion the annual fee is also similar to the US. Am I missing something or I is there a huge difference?

    1. Avatar
      Ricky

      It really depends on what your travel goals are. The American Amex MR program has a much wider variety of transfer partners, while the Canadian Amex MR program gets to transfer to SPG at 2:1 ratio, rather than 3:1. Keep in mind that the Canadian Amex Platinum card’s annual fee can be lowered to an effective $299 if you use two $200 travel credits and cancel before the first year is up.

  159. Avatar
    Andrew

    Using shipito, is the lowest cost 4.51 for standard mail, possibly plus a service charge from them?

    For their no annual fee option, will they combine letters into one package, if one is in no rush to receive something?

    Does one have the option of having them discard or recycle an individual piece of mail if one does not want it?

    These are great posts, I am glad that I found your blog. Thank you

    1. Avatar
      Ricky

      I believe Shipito is more than willing to combine letters and discard individual letters, although I haven’t worked with them so I can’t say for sure.

  160. Avatar
    Parm

    These instructions are very good. Thank you for simplifying for newbies.

  161. Avatar
    Muhammad

    Thanks for the overview, really good timing for me as I just completed the Global Transfer (to the PRG card) and am hopefully going to receive my ITIN shortly (sent in all the docs 4-5 weeks ago). The IRS actually sent me back my certified passport copy last week and said they are processing my W-7 and will send my ITIN once that’s done, so I’m back to having all three of the (probably useless) passport copies.

    In order to build a history with my new ITIN, I plan on applying for a no-fee Discover cash back card (as a bonus, they have NHL-themed cars so I can get a Leafs-branded one) to keep open forever in case I close my Amex account after the first free year. What are your thoughts on this approach?

    Looking forward to your upcoming post on what to do after you get your first card – I assume the goal is the CSR (or City National’s Visa Infinite card, which looks pretty dope imo), so hopefully that’s in the cards for you (and then once I read about how you did it, in the cards for me as well). Pun intended. Thanks!

    1. Avatar
      Ricky

      That’s a good plan. I too had started out with a PRG, which means that at some point I’m going to have to cancel it (I don’t want to pay $195/year forever) and take a credit score hit. The sooner you can get a no-fee card to hold forever, the better.

      The goal is definitely Chase and Citi cards, and how to navigate the landscape in that regard (5/24, etc.)

      Cheers,
      Ricky

Ricky

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