American Express Offers Cards to New U.S. Immigrants Without U.S. Credit Scores


American Express has teamed up with Nova Credit, a cross-border credit reporting startup, to offer immigrants the ability to use international credit reports when applying for a credit card. 

American Express has teamed up with Nova Credit, a cross-border credit reporting startup, to offer immigrants the ability to use international credit reports when applying for a credit card. Consumers can use credit reports from Australia, Brazil, Canada, India, Mexico and the United Kingdom, with more countries to be added over time.

Nova enables credit records from some international credit reporting agencies to be instantly translated into a U.S.-equivalent credit report and score during the online card application process. Previously, many people who moved to the U.S. were unable to obtain consumer credit before establishing a credit history with U.S. credit bureaus.