Can foreigners apply for a U.S. credit card?

Yes, many foreigners living in the U.S. can apply for credit cards, especially if they have an SSN or ITIN, a U.S. address, and some credit history. While not all banks accept non-citizens, several major issuers like American Express, Chase, and Citi do.

What is the difference between an SSN and ITIN for credit card applications?

An SSN (Social Security Number) is issued to U.S. citizens, permanent residents, and eligible workers. An ITIN (Individual Taxpayer Identification Number) is for non-citizens who file taxes in the U.S. Some banks accept ITINs for credit card applications, though an SSN provides broader access.

Which banks accept ITINs for credit card applications?

Major issuers like American Express, Bank of America, Chase, and Citi accept ITINs for certain cards. However, approval often depends on other factors like your U.S. address, income, and existing credit history.

How can I build U.S. credit as an expat?

Start by applying for a secured credit card, which requires a deposit. Make on-time payments, keep balances low, and gradually apply for unsecured cards as your credit profile grows.

What is Amex Global Card Transfer and how does it help expats?

American Express Global Card Transfer allows eligible Amex members in countries like Canada, France, the U.K., or India to transfer their relationship and open a U.S. Amex card — even without a U.S. credit history. This simplifies the process for expats relocating to the U.S.

Can I get a travel rewards credit card as an expat?

Yes, once you establish some U.S. credit history (through a secured card or Amex transfer), you can qualify for travel rewards cards like the Chase Sapphire Preferred or Amex Gold Card to earn points and miles on everyday spending.

Andrew Kunesh

Andrew was born and raised in the Chicago suburbs but now lives in Queens, New York. He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 40 countries, 20 travel credit cards and 3 airline statuses under his belt. Andrew was formerly a Senior Editor at The Points Guy and CNN Underscored.

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