Apply for U.S. credit
cards with confidence
with Ellis

You could already be eligible.

Use your international credit report to find out.

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Good Credit Score

in the UK


Good Credit Score

in Australia


Good Credit Score

in India

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Know where you stand with your free NovaScore

Your NovaScore estimates your U.S. credit rating based on your international credit report.


Good Credit Score

in India

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Good NovaScore

in the U.S.

Find the right U.S. credit cards for you

See personalized recommendations for U.S. credit cards based on your international credit report.

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Illustration of a person building

Illustration of a person buildingNo impact on your credit scores

Using Nova Credit results in a “soft inquiry”, which doesn’t impact your credit score in the U.S. or abroad.

We get paid by our partners, not you

Checking your report on Nova Credit is free. We’ll never ask you for your payment information.

Illustration of a credit cardHow it works

Step 1

Create your account

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Sign up for your free Nova Credit account to securely access your data.

Step 2

Connect to international credit bureau

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Enter your personal details from abroad to retrieve your international credit report.

Step 3

See personalized recommendations

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Learn about your NovaScore, an estimate of your U.S. credit rating, and find the right credit cards for you.

Trusted by Thousands of Newcomers to the United States

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We take security and privacy seriously

Your data is stored using 256-bit encryption at rest and in transit. We’re SOC2 Type II and ISO 27001 compliant, and are independently audited against them annually.

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Built for newcomers, by newcomers

Many of us have moved to the U.S. ourselves and got rejected for credit cards. That’s why we’ve built Nova Credit to help you arrive and thrive.

Help your friends get access to credit in the U.S.

Get $50 for every person you refer who uses their foreign credit history to apply for a credit card in the U.S. They’ll get $10 when they successfully use their foreign credit history too!

Additional program terms apply. Learn More


Guides and resources for U.S. newcomers

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