Time to branch out into US Cards?

I started reading about this process around 2 years ago and it has been quite lucrative.


His write up was very well written and got me into the US card game.

PointsNerd followed it up with quite the extensive “how to do this” series.


Between these 2 articles you would be all set to get some US cards.

The thing is – you don’t have to do all of that – and I’ll make it way simpler.

It seems the key to both articles (very well written by both by the way) is getting your US ITIN card.

Well, I eventually got mine after a few months and it didn’t even matter.

I didn’t need an ITIN card, a bank account in the US or a US phone number!

Now, this may not be true for you but this process can actually be quite easy.

I would start with a US Amex card if you already have a CDN one and work from there.

You can pay off your US credit card bills with a TD US account (in Canada) which will charge you $2.50 per transaction but well worth it when you think of all the new points you’ll be getting.

My CDN phone number is tied to my accounts as well.

What do you REALLY NEED?

A U.S. mailing address.

The process they outline takes a few months and can be quite tedious.

Why not try easy first and then build your US credit?

I have to say it REALLY  helps if you have quick access to the US – like live in a border town like I do.

That also makes US manufactured spend significantly easier too.

How would you get started?

Google “*location* package pickup” and by *location* I mean where you would physically pick up your US credit card because it is not getting delivered to you here in Canada.

Find one that seems legit and gets good reviews and use that place as your new “US residence”

Apply for the card. – I would suggest either the Amex Personal Gold or Amex Personal SPG card. BOTH FREE FIRST YEAR

Tell the truth in your application and hope for the best.

If it fails – and it very well might – try the ways mentioned above.

I’m just trying to save you some time and frustration.

I’ve included my referral link below if you are so inclined – and thanks!

SPG first (cuz it’s the best!)



Amex Gold



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