New to the U.S.? Bring Your Credit History With You
Apply for U.S. credit cards, phone plans, and loans using your foreign credit history
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Our Offerings
Find the right U.S. credit cards for you
We’ll help you use your foreign credit history to apply for U.S. credit cards.
Stay connected from day one
Use your credit history to apply for device financing and phone plans at Verizon.
Pre-qualify for a U.S. auto loan using your foreign credit history
Get an auto loan in the United States with no impact on your U.S. credit score.
Check your eligibility for an international student loan
Fund your U.S. education with our partner MPOWER.
Nova Credit has partnered with MPOWER, the leading provider of scholarships and a loan no-cosigner for international college students in the U.S and Canada.
Trusted by Thousands of Newcomers to the United States
How It Works
Step 1
Search products
Select your home country to discover products where you may be able to use your credit history from that country
Step 2
Apply for credit products
Opt to use your foreign credit history when completing your application
Step 3
Start building credit history in the U.S.
If approved, get a head start on your journey to financial integration in the United States
Check Your Eligibility & Kickstart Your Financial Journey
Jumpstart Your Journey
We’ve interviewed immigration experts, lawyers, and people who have moved to the U.S. to provide you with a comprehensive guide for your immigration journey.
Guides & Resources for U.S. Newcomers
Resources
How to Apply for an American Express Card with Your Foreign Credit History
Moving to the U.S. used to mean that you have to build credit from scratch to apply for credit cards. Now you can apply for American Express Cards in the U.S. with your foreign credit history through Nova Credit.
Resources
Will Multiple Credit Cards Help Build Credit Faster?
If you’re starting to build your credit in the United States, opening multiple credit cards might be a good idea. But does having multiple credit cards help your score? What are the benefits of having multiple credit cards and do they outweigh the costs?
Resources
How to Build Credit in the U.S.
Knowing how to build your credit score is crucial when you're moving to the US. Good options for establishing credit in the United States are to transfer your credit score from your home country, applying for secured credit cards and others.
Frequently Asked Questions
Have more questions? Try Nova Credit’s Help Center.
Nova Credit has partnered with lenders and international credit bureaus to help newcomers apply for products and services using their foreign credit history. When you apply with Nova Credit, you generally have the option to add your international credit history to your application.
We take compliance and information security very seriously. We incorporate security best practices into all aspects of our business and are audited by third parties against industry standards (e.g. SOC 2 Type II) and have received applicable certifications (e.g. ISO 27001) covering our information security management systems.
Typically, newcomers to the U.S. have trouble accessing financial products like credit cards because they do not have a U.S. credit score. With Nova Credit, you can use your international credit history.
Some of our credit card partners (like American Express) do require an SSN or ITIN to apply for a U.S. credit card. Each card issuer determines whether an SSN or ITIN is needed for the application. This can be changed at any time. While some of our credit card partners ask for your SSN or ITIN, there are a few that may allow you to apply for a credit card even if you do not have one.
Using Nova Credit is free for consumers like you. We get paid by our partners who want to serve newcomers to the United States.
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Our newsletter, The Arrive, has the best advice on setting up life in the U.S., whether you’re planning the move, have recently arrived or are staying long-term.