Opening American Express as a foreign student

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
5 posts
Centurion Member
Centurion Member
Posts: 222
Joined: Mon Oct 24, 2011 4:04 am
Location: UK

Opening American Express as a foreign student

Postby Reclusive46 » Sun Oct 07, 2012 1:06 pm

My son is currently going to a college in the US but is basically restricted to his BOA debit card or his UK credit cards.

How would a none us citizen go about applying for credit (More specifically an Amex) in the US without a SSN?
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

CC Deville
Centurion Member
Centurion Member
Posts: 1069
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sun Oct 07, 2012 3:19 pm

I checked the Terms & Conditions for the Green card. It appears that only US citizens or those with SSN's may apply (at least online):

"By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents, excluding Puerto Rico and the US Virgin Islands."

How did he obtain a Bank of America debit card if he didn't have an SSN? The best thing to do would be to call AMEX to see if it is possible for a non US resident to open one. Is he going back to England after graduation? If so, why would he need a card?

Centurion Member
Centurion Member
Posts: 221
Joined: Sat Oct 23, 2010 1:51 pm
Location: CA, USA

Postby trumpet-205 » Sun Oct 07, 2012 3:32 pm

If you have SSN, you can open a checking account and credit card. No SSN means NO checking account and credit card. This is partly due to Patroit Act.

Problem is with foreign student in US, you have no credit history. Which means applying an American Express card will mean instant denial.

You need to apply a credit card from Capital One instead, preferable Capital One Newcomer.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/ (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

Centurion Member
Centurion Member
Posts: 274
Joined: Sat Aug 04, 2012 10:21 pm
Location: MA

Postby Rory » Sun Oct 07, 2012 7:43 pm

your best bet would be to open an account yourself and add him as a Authorized user and ship him the card. Otherwise just wait till he comes back home for the holidays to open an account there in the UK
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:

Green Member
Green Member
Posts: 15
Joined: Fri Sep 07, 2012 1:00 pm
Location: SF

Postby TopperLA » Mon Oct 08, 2012 11:55 am

I've been a foreign student in the US, I'm now a resident.
Without any SSN he won't be able to get credit anywhere, amex or capital one.
If he has an SSN then yes Capital One Newcomer is the easiest one to get as a foreigner and does a good job building up credit.

Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests