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WELCOME TO THE UNITED STATES!

Join Our Global Community

You can use your credit history from select countries to apply for a Personal Card. American Express, in partnership with Nova Credit, makes it fast and easy for US newcomers to apply.*

Do I have credit history outside of the U.S.?

 

 

If you’ve done things like pay bills, own a home or buy a car, you likely have credit history. 

Can my credit history outside the U.S. help me get a credit card here?

 

With your authorization, we can access your credit history abroad from select countries, which could help you apply for one of our Personal Cards.

Why is it helpful to have a U.S. credit card?

 

 


Credit Passport

The Credit Passport®, powered by Nova Credit, is seamlessly integrated within the American Express online application to help U.S. newcomers apply for a Personal Card.

 

Meet Nicky.

 

 

"I think that the unique value of the Amex Nova customers is that if you're a U.S. newcomer, you don't need to be a newcomer to the financial system anymore. "

 


 

Meet James.

 

 

"I just needed to get my foot on the first step of the ladder. Really, I'm very grateful to both American Express and Nova Credit for allowing me to start that journey."

"

Live globally, like a local, with American Express

Apply for an American Express Personal Card

 

Choose the right Card, with the right rewards, for your lifestyle— explore Personal Cards now.

Get your Instant Card Number today

 

Start experiencing the benefits of Card Membership today, if eligible for an Instant Card Number.

Take it everywhere

 

Our Cards make traveling, dining, and experiences even more rewarding. Now accepted at more places than ever.

Already an American Express Card Member outside the U.S.?

Want to learn more? We’re here to help.

 

When do Americans use cash? Credit cards? Debit or check? Learn about common payment methods in the U.S.—and pros and cons of each. 

 

 

When it comes to managing finances, relocating to America can be complex. Here are 5 common ways expats spend too much—or lose—money in the U.S. 

 

 

It can be critically important to establish credit in the U.S. Learn why, so you can start building credit here—and leverage your credit history from back home.

 


 

Textbook definitions of American finance terms are helpful, but learning local money slang can help you fully understand and embrace financial culture in the U.S.  

 

 

The overall cost of living in the U.S. may be high, but where you choose to live can make a big difference. Here’s a snapshot of the cost of housing, goods, and services.

 

 

Consider these personal finance tips to help you succeed after graduating college: build a credit history, use credit cards positively, and invest to benefit your future self.

 


 

It can be critically important to establish credit in the U.S. Learn why, so you can start building credit here—and leverage your credit history from back home.

 

 

Understanding how to use your credit card benefits is a part of maintaining healthy finances and helping you achieve your financial goals.

 

   

Start your new journey, with the backing

of American Express

American Express Gold Card

Reward Your Appetite For Life

Blue Cash Everyday
Experience Cash Back That Rewards

Your Everyday Routine

Blue Cash Preferred Card

Running Errands Made Rewarding

Commonly asked questions, with answers