Can You Get a US Credit Card With Your Canadian Credit Score?

Many Canadians may have considered taking out a U.S. credit card, whether due to frequent travel across the border or simply because they enjoy balancing several credit cards to get the absolute best Canadian credit card rewards for their spending.
U.S. credit cards tend to offer great welcome offers, and it’s always important to have a credit card with no foreign transaction fee while shopping abroad.
But can you get a U.S. credit card with only your Canadian credit score? The short answer is — maybe. Here’s what you’ll need to do.
What Canadians need to get a U.S. credit card
In order to get a U.S. credit card, Canadians will need several pieces of important documentation:
A U.S. address: Are you planning a permanent move, attending a school or staying with family in the U.S.? If so, this should be easy to obtain. You’ll need a U.S. address that can accept mail if you want to get a U.S. credit card. Once you have the card, you can always sign up for electronic statements, so year-round access to the mailbox isn’t as important.
An ITIN or SSN: If you’ve ever had a taxable business in the U.S., you may have been assigned an ITIN or SSN. An Individual Taxpayer Identification Number, aka an ITIN, is something that is assigned to people who earn non-wage income in the U.S., such as freelancers. A Social Security Number, or SSN, is assigned to all U.S. citizens as well as non-citizens who are authorized to work in the U.S.
A U.S. bank account: Most credit card issuers will expect you to have a U.S. bank account for transactions. The good news is these should be easier to qualify for than a credit card.
How to use your Canadian credit score
If you want to take advantage of your great Canadian credit score with a U.S. credit card, there’s only one way to do it: American Express.
American Express has partnered with Nova Credit to help international clients with solid credit histories access their credit cards, which makes it possible to apply for their cards using your Canadian credit history.
Outside of American Express, your Canadian credit score doesn’t mean much for U.S. card issuers. They’ll want to see your American credit score, where you’ll be starting from scratch. That means you may want to consider credit-building mainstays such as secured credit cards or student credit cards to help create a desirable U.S. credit score.
Alternatively, Canadians may choose to simply stick with a Canadian credit card with no foreign transaction fees if the above seems like too involved of a process. Cards in that category will let you shop all you want in the U.S., and will build your Canadian credit history as well.
Source: iQuanti, Inc.