It is the simplest thing amongst all the things I’m a Canadian moving to the US for work (in the process of getting a SSN). There’s a heck of a lot to do when moving, but getting a credit card turns out to be simple. I used Nova Credit to translate my Canadian Transunion credit score of 829 to a report that Amex understood. It was accepted, and Amex also required proof of address from my US bank. After that was provided, it approved me for the Amex Blue Cash Everyday credit card with $2000 credit limit. It’s not bad considering that I have no credit history in the US, and I’m happy to start building one.

Great service offering! Using Nova Credit allowed me to access an American Express credit card quicker than I otherwise would have been able to. The online process was easy and it only takes a couple of minutes. The one thing people should be wary of is: the verification of address step that American Express now requires. My application was held up for over 2 months, while I waited to get phone bills, utility bills, etc that had my US address on it. They wouldn’t accept something like a sublease agreement. This step is out of Nova Credit’s control, but something people should be aware of when they are moving!

Really frustrated/ waste of my time Really frustrated. Did not work at all. You try to register at novacredit, it asks you basic questions about if you have a SSN / are you in US? But never asks about your other credit history in your country. Instead it gives you a list of credit cards associated with Nova (American Express) you might qualify for. It sends you to their webpage, and at NO POINT...did they ever ask me about my background credit history from Canada, even though I clicked "Foreign Credit History" earlier It says "Thank you for the submission, well let you know if you've been approved" So it's no wonder I got declined. Really absurd system.

Thanks to Nova Credits. I applied for an Amex credit card with nova and got instantly approved. Nova Credit is not a company is a brand, it's a financial helper for students. I came to the USA this fall 2023 and I am looking to take a credit card, but no company gave me a credit card without SSN. At that time I came to know about Nova Credit and I applied for an Amex credit card with nova and got instantly approved. I suggest all students who are presently in the USA or coming to the USA, must try Nova credit and get Amex card Thanks to Nova Credits

Highly recommended Extremely useful way for a new arrival in the US to get a decent credit card and build a credit rating. Application very easy, decent range of credit cards (I recommend one of the Amex Blue cards)...and makes life a lot easier in terms of signing a lease for a flat/phone etc