What American credit card companies will accept Canadians?

scouzer wrote: ↑ And by American credit card, I mean an actual US domiciled, US dollar card. Not a Canadian, USD card.

So far I know of three:

- Amex, but the people I want to pay regularly don't take Amex

- TD, but only if you have a residential US address (I don't)

- RBC, but they are hostile to business users.

My card will probably need to be personal - nobody offers Canadians US business credit cards. I know RBC is hostile to that, so they are a non-starter.

Appreciate any advice!

ruchir wrote: ↑ As a Canadian, it is almost impossible to get a US credit card that US retailers will honor for online purchase. Even if you did manage to get one, you could only shop in person as the retailers are able to verify your identity. With online purchases, good luck!

What do you need it for? If you are only trying to avoid 2.5% conversion fee, as far as I know Amozon VISA card which is issued by CHASE, doesn't charge the conversion fee.

scouzer wrote: ↑ It'd be for purchases with distributors. My transactions are mostly in USD, and my income is in USD, so an actual American card would be really handy.

I have an American debit card which works, but the greed in me wants to collect points

scouzer wrote: ↑ It'd be for purchases with distributors. My transactions are mostly in USD, and my income is in USD, so an actual American card would be really handy.

I have an American debit card which works, but the greed in me wants to collect points

yangj08 wrote: ↑ Is there no way you could at least secure a US address to have on file for whichever card you were to apply for?

iamthebest wrote: ↑There is a small thread about your question us-bank-account-credit-card-canadians-943374/

ruchir wrote: ↑ As a Canadian, it is almost impossible to get a US credit card that US retailers will honor for online purchase. Even if you did manage to get one, you could only shop in person as the retailers are able to verify your identity. With online purchases, good luck!

What do you need it for? If you are only trying to avoid 2.5% conversion fee, as far as I know Amozon VISA card which is issued by CHASE, doesn't charge the conversion fee.

iamthebest wrote: ↑ There is a small thread about your question us-bank-account-credit-card-canadians-943374/

scouzer wrote: ↑ I tried calling Amex today, spoke to 4 different reps about opening a US Business Amex.

All said nope, no way no how. The two key requirements I can't meet:

- Proof that the business is based and headquartered in the US

- Proof of residential address

All advised that Global Transfer would be denied as well for the above reasons.

ace604 wrote: ↑ Did you talk to anyone on the Global Transfer team? Are you saying they would deny GT for business? For personal it's pretty easy. You do need to provide a US address but they don't verify you own it or lease it - changing your US bank account 'home' address and letting them confirm its the same is sufficient.

Dunno about business requirement though.

ace604 wrote: ↑ Did you talk to anyone on the Global Transfer team? Are you saying they would deny GT for business? For personal it's pretty easy. You do need to provide a US address but they don't verify you own it or lease it - changing your US bank account 'home' address and letting them confirm its the same is sufficient.

Dunno about business requirement though.

ben85deals wrote: ↑ What do they ask you during the telephone application except the address ?
Do you just give out your current Canadian employer information and salary, and say you are about to move soon, and no job or nothing yet but just a place to live for now ?
No question about immigration status or whatever ? LOL

Sorry just wanna make sure I am ready before calling up HAHA


Thanks

ace604 wrote: ↑ They never asked me on the phone about employment info, moving, immigration, etc.
On the online application I put the name of my employer and my salary info in lower USD equivalent.
I was told during one early call with GT that they were going to conference call with the bank (BofA) to verify address, but before I called back to do that I found a link in one of the emails that allowed me to upload a bank statement PDF, so I just did that.

Then when I called back I just gave them the address. The address during my app was a mailing place address so that hung up the application (they require for regulatory purposes a residential address. They didn't say it had to be one that I owned or lived in )

There was some time in between calls because I needed to change my address online at BofA to match the new relative's address I was using as the secondary non-mailing residential address for Amex for them to 'confirm'.

ben85deals wrote: ↑ Oh thanks a lot for all infos
I'm gonna give it a try and use my friend's address in NYC, but first I need to update that on TD side...
+ I need to get to NYC to get the card from what I understood here, as they only do Fedex or UPS deliveries...

not a so easy process, but worth the try

ace604 wrote: ↑ No, I applied for the card online initially with my mail receiving place 15 minutes away just across the border. No mail ever went to the relative's house 3 states away.
My mailing and billing address is my mail receiving place address. The other address is just listed on my account as a "secondary" address.