How to Get a U.S. Credit Card as a Non-Resident?

How to Obtain a U.S. Credit Card as a Non-Resident | Business Credit Setup & ITIN Filing

How to Obtain a U.S. Credit Card as a Non-Resident

Business owners outside the United States can access U.S. credit cards with higher limits, stronger rewards, and better cash flow flexibility than most EU or offshore products. Our concierge service builds a compliant U.S. credit footprint including ITIN, U.S. company, bank account, and business credit card, all handled remotely and delivered ready to use.
Who This Helps
  • * Founders and business owners seeking access to U.S. credit
  • * Non-residents needing verified U.S. banking and credit reports
  • * Entrepreneurs managing international vendors or ad spend
Where It Applies
  • * Remote business operators needing USD payment rails
  • * Investors setting up U.S. entities for asset or property holdings
  • * Companies expanding to U.S. markets without physical offices
Why It Matters
  • * Builds an official U.S. credit report under Experian or Equifax
  • * Unlocks high-limit business credit cards and fintech platforms
  • * Improves cross-border credibility with U.S. suppliers and lenders

Why Business Owners Need a U.S. Credit Footprint

U.S. credit cards offer higher limits, longer payment cycles, and reward programs rarely available elsewhere. They can materially improve working capital and support international credibility. For non-resident entrepreneurs, a verified U.S. credit profile is a financial advantage that strengthens relationships with suppliers, lenders, and payment providers.

Higher Limits and Better Liquidity
U.S. business cards typically offer two to four times the limit of comparable EU or offshore products. The added capacity supports larger transactions and smoother cash flow.
Reward Programs That Pay Back
U.S. issuers offer competitive cashback and travel miles worth one to five percent of spend. These benefits directly offset business costs and travel budgets.
Build Global Financial Credibility
A verifiable U.S. credit report from Experian or Equifax proves your ability to manage credit responsibly, opening doors to cross-border partnerships and credit facilities.
Flexible Working Capital
Most U.S. business cards provide 30 to 60 days of interest-free credit, allowing you to manage payables and receivables more efficiently.
Access to Premium Banking and Fintech Products
A valid ITIN and credit record unlocks U.S. brokerage accounts, merchant services, and fintech platforms restricted to verified U.S. users.
Pathway to Unsecured Credit
After six months of on-time payments, limits increase and unsecured cards or business lines of credit become available.

Step-by-Step: How the Setup Works

  1. Submit your passport, proof of address, and business documents for compliance review.
  2. We file your IRS Form W-7 through a certified ITIN agent.
  3. We form your U.S. LLC, obtain an EIN, and provide a verifiable mailing address.
  4. We open a compliant U.S. bank or fintech account for payments and statements.
  5. We prepare and submit your secured or business card application to reporting issuers.
  6. Once approved, we activate your card, enable credit monitoring, and guide you on usage to build your score.

Pricing

Complete U.S. Credit Setup
USD 7,000 Fixed

Includes ITIN filing, U.S. company formation, mailing address, bank account, credit card application, and 30-day onboarding support.

Address Renewal & Mail Handling
USD 700 Per Year

Annual renewal of your U.S. mailing address and forwarding service required by certain issuers for compliance.

Additional Business Services
From USD 1,900

Add-on bookkeeping setup, merchant account introductions, and access to revolving business credit lines after six months.

Start Your U.S. Credit Setup

Pay the USD 7,000 service fee to begin your U.S. credit setup. ITIN filing, LLC formation, and card onboarding start immediately after payment.

Proceed to Payment

Frequently Asked Questions

Can I apply without visiting the United States?

Yes. The entire process, including ITIN filing, bank account opening, and card application, is completed remotely through verified partners.

Will this build a real U.S. credit history?

Yes. The card reports to major bureaus such as Experian and TransUnion, establishing verifiable U.S. credit data for your entity and personal profile.

How long does the process take?

The average timeline is four to six weeks, depending on IRS and bank processing times.

Can you help with business credit lines later?

Yes. After six months of on-time payments, we can introduce lenders offering revolving credit to verified U.S. entities.

Is approval guaranteed?

No service can guarantee approval. We prepare compliant files and choose issuers with high acceptance rates, but final decisions rest with the banks.

Financely acts as a facilitator for credit setup and documentation. We are not a bank or credit issuer. Final approval is subject to KYC, AML, and partner review. Nothing here constitutes a guarantee of lending or credit approval.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.