How to Get a US Credit Card in Canada

Many Canadians frequently travel to the United States for business, vacations, or even shopping online.

While using a Canadian credit card in the US is possible, it often comes with drawbacks such as foreign transaction fees, limited acceptance, and missed opportunities for better rewards.

A US-issued credit card provides several advantages, including lower costs, better cashback options, and the ability to build a US credit history.

However, getting a US credit card as a Canadian can be challenging. Most American banks require a US credit history, Social Security Number (SSN), and a US address—all of which are difficult for a Canadian resident to provide.

Despite these barriers, there are several legal and practical ways for Canadians to obtain a US credit card.

In this guide, we will explore why Canadians should consider a US credit card, the challenges involved, and the different methods to successfully apply for one.

Whether you frequently visit the US, run a cross-border business, or simply want to avoid foreign transaction fees, this article will provide a step-by-step roadmap to securing a US credit card from Canada.

Why Canadians Need a US Credit Card

For many Canadians, a US credit card is not just a convenience—it’s a smart financial move. Below are the main reasons why having a US-issued credit card can be beneficial:

» Avoiding Foreign Transaction Fees

Most Canadian credit cards charge a 2.5%–3% foreign transaction fee on purchases made in USD. If you frequently travel to the US or shop from American retailers, these fees can add up quickly.

A US credit card eliminates this extra charge, allowing you to save money on every transaction.

» Building a US Credit Score

If you plan to live, work, or invest in the US in the future, establishing a US credit history is essential. Many financial products in the US, including loans, mortgages, and even apartment rentals, require a strong credit score.

A US credit card is one of the easiest ways to start building a solid credit profile in the United States.

» Access to Better Rewards and Cashback Offers

US credit cards often provide better rewards compared to their Canadian counterparts. Many American cards offer generous welcome bonuses, travel rewards, no annual fees, and premium cashback rates on everyday purchases.

Some cards also provide benefits like airport lounge access, travel insurance, and exclusive perks with US retailers.

» Easier US-Based Purchases

Certain US merchants, especially small businesses and online retailers, may reject Canadian credit cards due to billing address mismatches or cross-border restrictions.

Having a US credit card ensures smoother transactions and fewer declined payments when making purchases within the United States.

Challenges of Getting a US Credit Card as a Canadian

Despite the advantages, obtaining a US credit card while residing in Canada is not always straightforward. Here are the main challenges that Canadians face:

» Lack of US Credit History

Most US banks require applicants to have an established credit history with a US credit bureau (Experian, Equifax, or TransUnion USA).

Since Canadian credit history is not automatically transferred to the US, many Canadians start with a blank slate, making it difficult to qualify for most American credit cards.

» No US Social Security Number (SSN)

An SSN is a crucial identifier in the US financial system and is often required for credit applications.

Since most Canadians do not have an SSN, they must find alternative methods, such as using an ITIN (Individual Taxpayer Identification Number), which some US banks accept instead.

» US Address Requirement

Most US credit card issuers require applicants to provide a US mailing address. This can be challenging for Canadians who do not have a US residence or access to a reliable forwarding service.

Some banks may also require a US phone number, further complicating the process.

» Restrictions by US Banks

Even if a Canadian meets all the requirements, some US banks explicitly restrict applications to US residents. Many financial institutions have strict policies that make it difficult for non-residents to open credit accounts.

Solutions for Canadians to Get a US Credit Card

Despite these challenges, several options exist for Canadians to obtain a US credit card legally and efficiently. Here are the best methods:

Option 1: Cross-Border Banking with a Canadian Bank that Operates in the US

Some Canadian banks have US-based subsidiaries that offer cross-border banking solutions. These include:

• RBC Bank USA (subsidiary of Royal Bank of Canada)
• TD Bank USA (subsidiary of TD Canada Trust)
• BMO Harris (subsidiary of Bank of Montreal)
• CIBC Bank USA (subsidiary of CIBC)

» How It Works

If you already bank with RBC, TD, BMO, or CIBC in Canada, you can apply for a US-based checking account and credit card through their American counterpart.

Since these banks have access to your Canadian credit history, they may approve your application without requiring a US credit score.

» Pros and Cons

Option 2: Using an ITIN (Individual Taxpayer Identification Number) Instead of SSN

If you do not have an SSN, you may be able to apply for a US credit card using an ITIN (Individual Taxpayer Identification Number).

The ITIN is issued by the IRS (Internal Revenue Service) and serves as a substitute for an SSN for tax purposes.

» How to Get an ITIN

1. Fill out Form W-7 from the IRS website.
2. Submit the form along with identity documents (such as a passport) to the IRS.
3. Wait for processing (typically 6–8 weeks).
4. Once you receive your ITIN, use it when applying for a US credit card.

Some US banks, such as American Express and Capital One, accept ITINs instead of SSNs for credit card applications.

Option 3: Applying as an Authorized User on a US Credit Card

If you have family or friends in the US, they can add you as an authorized user on their existing US credit card. This allows you to:

• Use the card and build US credit under their account.
• Leverage their US credit history to increase your chances of approval for your own card in the future.

However, this method requires trust, as the primary cardholder is responsible for all charges made on the account.

Option 4: Applying Directly with a US Address and Credit History

Some Canadians prefer to set up a US mailing address using:

• Friends or family members in the US
• Mail forwarding services (e.g., MyUSAddress, Shipito)

This method allows applicants to receive their card at a US address, though some banks may still verify residency requirements.

Step-by-Step Guide to Applying for a US Credit Card from Canada

Now that we’ve explored the different methods for Canadians to obtain a US credit card, let’s break down the step-by-step process for a successful application.

Step 1: Determine the Best Application Method

Before applying, you need to decide which method suits your situation best. Ask yourself the following questions:

• Do you bank with a Canadian institution that has a US branch?
  If so, applying through a cross-border banking program (e.g., RBC Bank USA, TD Bank USA) might be the easiest option.
• Do you plan to build a US credit history for future loans or mortgages?
  If yes, applying for a US credit card using an ITIN or as an authorized user may be beneficial.
• Do you have a US mailing address or access to one?
  If you can set up a US address, you may be eligible for a broader range of US credit cards.

Once you’ve identified the most viable option, you can proceed to the application process.

Step 2: Choose the Right US Credit Card

Not all US credit cards are available to non-residents. Focus on banks and card issuers that are more likely to accept Canadian applicants. Some of the best options include:

» US Credit Cards Offered by Canadian Banks

• RBC Bank USA Visa Signature Black
  Designed for Canadians with RBC accounts.
• TD Bank Cash Credit Card
  Available through TD Bank USA with a cross-border banking relationship.
• BMO Harris Platinum Mastercard
  Accessible to BMO customers.

» US Credit Cards That Accept ITINs Instead of SSNs

• American Express Blue Cash Everyday
  Allows applicants to use an ITIN.
• Capital One Venture Rewards
  Accepts ITINs and does not always require a US credit history.

» US Credit Cards That Work for Authorized Users

• Chase Sapphire Preferred
  Great for travel rewards; allows Canadians to be added as authorized users.
• Citi Double Cash Card
  Simple cashback card that builds US credit history for authorized users.

Step 3: Gather the Required Documents

To increase your chances of approval, make sure you have all the necessary documents before applying:

• Valid Canadian passport or government-issued ID
• US mailing address (if required by the bank)
• ITIN (if applying without an SSN)
• Proof of Canadian bank account (if using cross-border banking programs)

If applying through a US-based relative or friend, ensure they are comfortable receiving mail on your behalf.

Step 4: Submit Your Application

Once you have selected the right credit card and gathered the required documents, you can submit your application:

• Online:
  Some US banks allow applications from Canadians directly through their websites.
• By Phone:
  Calling customer service can be beneficial if you need to explain your situation.
• In-Person:
  If you frequently travel to the US, visiting a physical branch can improve your chances of approval.

Step 5: Activate and Use Your Card Responsibly

Once approved, activate your card and start using it strategically to build your US credit history. This includes:

• Making purchases regularly to keep the account active.
• Paying your balance in full and on time to avoid interest charges.
• Checking your US credit score through services like Experian or Credit Karma US.

Best US Credit Cards for Canadians

Here is a breakdown of some of the best US credit cards that are accessible to Canadians, categorized by rewards, ease of approval, and specific benefits.

» Best for Travel Rewards

» Best for Cashback

» Best for No US Credit History

How to Build and Maintain a US Credit Score

Once you have a US credit card, maintaining a strong credit history is crucial for future financial opportunities. Here’s how you can build and maintain a good US credit score from Canada:

» Use Your US Credit Card Regularly

Even if you don’t live in the US, make at least one transaction per month to keep the card active. You can:

• Use it for online purchases from US-based stores.
• Link it to US-based subscriptions (e.g., Netflix US, Amazon Prime).

» Always Pay on Time

US credit scores are heavily influenced by payment history. Set up automatic payments or reminders to avoid missing a due date.

» Keep Your Credit Utilization Low

Avoid using more than 30% of your available credit limit at any given time. If your credit limit is $5,000, try to keep your balance below $1,500 to maintain a high score.

» Monitor Your US Credit Score

You can check your US credit score for free using:

• Experian
• Equifax US
• Credit Karma (US version)

Common Mistakes to Avoid

When applying for a US credit card as a Canadian, avoid these common pitfalls:

» Applying for the Wrong Card

Some US credit cards have strict residency requirements. Applying for cards that require an SSN and US credit history without an alternative (such as an ITIN) will likely result in rejection.

» Not Using the Card Regularly

If your US credit card remains inactive for long periods, the bank may close your account, which can negatively impact your US credit score.

» Missing Payments Due to Cross-Border Banking Delays

If you’re paying your US credit card bill from a Canadian bank, make sure to account for potential delays in international transactions to avoid late fees.

Source: Pixabay

Conclusion

While getting a US credit card in Canada may seem difficult at first, there are several effective strategies to overcome the barriers.

Whether through cross-border banking, ITIN applications, or becoming an authorized user, Canadians can access US financial products, save on foreign transaction fees, and build a strong US credit history.

By following this guide, you can successfully apply for a US credit card and start enjoying the benefits of having access to the US financial system.

FAQs

1. Can I get a US credit card without a US address?
   Some issuers allow Canadians to apply using a cross-border banking relationship, but many require a US mailing address.
2. Do I need a Social Security Number (SSN) to apply?
   No, some banks accept an ITIN instead of an SSN.
3. What happens if I don’t use my US credit card often?
   Your account may be closed due to inactivity, which could hurt your US credit score.
4. How can I transfer money from Canada to pay my US credit card?
   Use cross-border banking solutions like RBC USA or TD Bank USA, or transfer via Wise or PayPal.
5. Is it possible to get a US credit card without a US bank account?
   Yes, but having a US bank account simplifies payments and increases approval chances.