Bank Of America Credit Card Out Of Country – In this guide, we’ll look at how savvy Canadian consumers can get their first US-issued credit card.

Once you get your first US card, you’ll start building a US credit history and eventually be eligible to use most, if not all, credit cards in the US market.

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If you want to earn huge welcome bonuses on US credit cards to travel the world, accessing US credit cards as a Canadian can come in handy in many circumstances. Here’s how to jumpstart your credit report in the US.

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If you’re intermediate in the Canadian credit card game (or wherever you live outside the US), it’s worth looking into getting access to US credit cards.

As the world’s most lucrative credit card rewards market, US-issued credit cards offer bigger welcome bonuses, better cardholder benefits and a much wider range of points redemption options, significantly expanding the range of travel rewards available.

Meanwhile, American Express US has up to 21 partners, including some powerful programs we don’t have access to in Canada – like Emirates Skywards or Singapore Airlines KrisFlyer, which allow you to book first-class Emirates or Singapore Suites, respectively.

US credit cards can also give you a significant advantage when it comes to other significant travel benefits, such as elite hotel status or airport lounge access.

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For example, a card issued in the US can instantly earn you Hilton Diamond premium status, whereas to earn that status organically, you would need to spend 60 nights at a Hilton hotel per year.

Similarly, to earn Marriott Bonvoy Platinum status, you can either aim for 50 nights per calendar year or simply have the American Express Marriott Bonvoy Brilliant Card, which provides current bonus status.

Needless to say, if you’re serious about upping your travel game on a global level, you absolutely need to get on board with US credit cards.

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If they agree to use your address, you can ask them to forward your mail periodically, pick it up themselves when you visit, or simply ask them to take pictures of your mail and send it to you.

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For the rest of us, getting a US address is as easy as using a mail forwarding service or PO Box.

Our recommended service is 24/7 Parcel, which provides a service that meets the needs of many Canadians entering the US credit card market.

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There are other mail forwarding services that you can choose from. We also encourage you to do your own research.

Whichever mailbox service you choose, be sure to check one thing. Go to the USPS Address Finder and enter your PO Box address and make sure “Commercial Mail Receiving Agency” is not marked with a “Y”.

This is because many credit card companies consider these addresses inappropriate when they see that they are registered with a mail forwarding service.

As long as the “Commercial Mail Receiving Agency” line is marked with the letter “N” (as in the case of Paczka 24/7’s private address), senders will consider this address to be a residential address and all will be good to go.

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This step is pretty easy. Several Canadian banks have branches in the US, and if you’re using them on the Canadian side, setting up a US account is usually pretty easy too.

For example, if you bank with CIBC in Canada, you can explore your options with its US counterpart, CIBC US. One option is to open a smart account, which has no monthly fee and includes free incoming transfer payments and free bill payments.

Setting up is really easy if you’re already a CIBC customer in Canada. You can apply online and also instantly transfer US funds between your Canada-based and US-based CIBC accounts.

The equivalent applies to TD Canada Trust and TD Bank (the 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.

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All of these banks have very well-established cross-border banking products and guidelines, so simply go online to learn more about your personal checking options and open an account.

Regardless of which US bank account you use, it’s best to set your US address (from step 1) as your primary account address so that your US address appears on all of your monthly bank statements. This will come in handy later when it comes time to verify your address with credit card companies.

How Do Credit Cards Work?

Currently, the easiest option to get started with US credit cards is to initiate an American Express Global Transfer from Canada to the US.

To be eligible for a global transfer, you must have at least one American Express account issued in Canada that has been open and in good standing for at least three months.

You can then call the Global Transfer office and say you would like to make a global transfer as a current Canadian cardholder to a US credit card and then proceed to complete the US credit card application over the phone.

On the US Amex credit card application page, look for the Social Security Number (SSN) field. If you don’t have a US SSN or Individual Taxpayer Identification Number (see below), look for the box that says “I had a credit card or loan in Australia, Brazil, Canada, the Dominican Republic, India, Kenya and Mexico, Nigeria, the Philippines, South Korea, Switzerland or Great Britain.

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If you click the info symbol (the circled “i” next to your social security number), a popup will appear on the page. At the end of the note is a link that allows you to log into your Amex account from another country. Click on this link.

Another pop-up window will appear and you will need to give consent for Amex US to access your Amex account history from another country.

You will then be asked to log into your Amex account and some of the information will be auto-populated on the application page.

You will be asked to provide government-issued identification information. Again, if you don’t have a US SSN or ITIN, check the “I don’t have a social security number, but I can enter a government-issued identification number” box.

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Then select an eligible document from the Official ID Type drop-down menu. The best option is probably a passport.

At this point you can complete the application. If you’re lucky, you’ll be approved right away and your new US-issued card will be shipped to your US address.

However, there is a good chance that Amex US will contact you to verify the information you provided in your application, which may include:

If you only need to upload one or two documents to the Amex website, the verification process shouldn’t take long. However, if Amex has to make a three-way call, it can result in a long wait or complete failure if they can’t get through to your bank.

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In any case, make sure you have all your documents ready as this will shorten the transaction processing time before you receive your US credit card.

In recent years, American Express US has started operating a service known as Nova Credit that allows you to apply for US cards directly using your Canadian TransUnion credit file without the need to have an Amex card on the Canadian side.

However, Amex US recently made it mandatory to have a US SSN or ITIN before you can apply with Nova Credit. Therefore, the following process only works if you have a US SSN or ITIN. If you don’t have either of these, you’ll need to apply via Global Transfer (see above).

If you don’t have an SSN or ITIN, see our step 4 guide to getting an ITIN below.

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Credit card, then click the “I have a credit card or loan in…” check box, which prompts you to enter your Social Security number. You should also add your ITIN or SSN here.

Note where it says “Sign in to help us access your foreign account information.” Even if you’re already an Amex Canada cardholder, you don’t need to sign in.

In fact, this will initiate the “Global Transfer” process described above, while not logging in will likely result in a smoother Nova Credit process as long as you have an SSN or ITIN.

Submitting your application will take you to

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