If you are interested in obtaining a credit card in the United States but do not reside there and do not have a Social Security Number (SSN), know that it is possible to get one. However, there are some important conditions you must meet. This guide will provide all the necessary information so that you can apply for and be approved for an American credit card without complications.
Is It Possible to Get a Credit Card in the USA Without Residing There?
Yes! Many banks and financial institutions in the United States allow foreigners to apply for a credit card, even without a fixed residence in the country. However, there are specific requirements that must be met:
- U.S. Address – You will need a U.S. address to receive the card and banking correspondence. This can be a friend’s or family member’s address or a mail forwarding service, such as Qwintry or similar hubs.
- U.S. Bank Account – Having a U.S. bank account is essential for easily paying your bill. Banks such as Chase, Wells Fargo, Bank of America, and Charles Schwab allow foreigners to open accounts.
- Money Transfer Method – You can transfer money to this account using services like Wise (formerly TransferWise), which offers competitive exchange rates and low transfer fees.
The Easiest Credit Card to Obtain
The easiest credit card for foreigners to get right now is the American Express Blue Cash Everyday. This card offers the following benefits:
- No U.S. credit history required – Unlike other cards, this one does not require a Social Security Number for approval.
- Attractive sign-up bonus – If you spend $1,000 within the first three months, you receive a $200 statement credit.
- No annual fee – For both the primary cardholder and additional cards.
- Usable for international purchases – The dollar conversion rate is close to Google’s official rate, avoiding Brazil’s high IOF tax (6.38%).
Example of Savings with the Card Bonus
If you are thinking about purchasing an iPhone, this card can help you save money. If you buy an iPhone for $1,000 within the first three months and receive the $200 bonus, the device effectively costs $800, which is a great deal.
Step-by-Step Guide to Applying for Your Credit Card
1. Access the American Express Website
To start your application, visit the official American Express Blue Cash Everyday website using this referral link. This link offers special conditions, including an enhanced bonus.
2. Completing the Application Form
When accessing the website, click on “Apply Now”. The application form will require details such as:
- Full Name
- Date of Birth (U.S. Format: MM/DD/YYYY)
- U.S. Address
- Annual Income (Provide a reasonable income to improve your approval chances)
- Social Security Number (SSN): Since you do not have an SSN, enter 999999990 (eight nines and one zero at the end)
- Employment Status: Select Self-Employed to avoid being asked for a U.S. tax return.
Avoid using accents and special characters in the form. Click “Continue”, then “Agree & Submit Application”.
3. What Happens After Submitting the Application?
After submitting your application, one of two things can happen:
- Immediate denial – If you are automatically rejected, you can try again in a few months or improve your financial credentials.
- Application Number Received – If your application is under review, Amex may require additional verification via phone.
If you receive an application number, call Amex customer service and inform them that you are a “Non-Resident Alien” and wish to link your credit card to your passport as your identification document.
4. Approval and Receiving Your Card
If your application is approved, you will be informed about your credit limit, which usually ranges between $3,000 and $5,000, depending on the declared income.
Your card will arrive at your U.S. address within 5 business days. Once received, activate it through the website or by phone.
5. How to Pay Your Credit Card Bill
The best way to pay your bill is by transferring money to your U.S. bank account using services like Wise, Remitly, or PayPal. Then, simply set up automatic payments (Autopay) to avoid late fees.
Final Considerations
The American Express Blue Cash Everyday is one of the easiest credit cards to obtain for non-residents in the USA. It is ideal for those looking to build a U.S. credit history and take advantage of exclusive benefits. Additionally, its fair dollar conversion rate and no annual fee make it an attractive option for travelers and international shoppers.
Now that you know how to apply for a credit card in the USA without living there, follow the steps and enjoy the benefits!
