Related Posts
What will interest rates be come December?
amex platinum >>>> csr if you think about it
Pro
Conversation Starter
EY, I got my Roth IRA contributions set to max (30%). Does Fidelity automatically lower the % and stop contributions afterwards once I reach my 2022 limit?
Also at Deloitte, I had a couple thousand contributed in the beginning of the year. Does EY's 401k keep track of that as well towards the limit?
More Posts
Rising Star
Additional Posts in All things points
Any Delta Airline status challenges for 2018?
Best/Quickest way to get United lounge access?
New to Fishbowl?
Download the Fishbowl app to
unlock all discussions on Fishbowl.
unlock all discussions on Fishbowl.
Idk how/if Canada changes anything, but I always recommend Chase Sapphire Preferred as a starter card.
With no credit history, it’s unlikely OP would qualify for the CSP/CSR
It will be tough to get a “good” cc without ant credit history in US. If you have a Canadian AMEX you could try the AMEX Global Card Relationship to open an US AMEX
If you bank with TD Canada get a credit card with TD USA. They’ll use your Canadian credit and you can started with a proper credit card limit and not something like $500.
This can work - but TD gets confused and makes a lot of mistakes, so have a backup plan as this option may take time.
Like others have said getting a credit card without a built credit score will be tough, but a great starter card would be any of the 1.5%-2% cards out there. Chase Freedom Unlimited, Citi Double Cash, and Amex Everyday cards just to start racking up points. This card should cover most of your everyday spend.
Follow that up with a travel card either the Amex Gold, Chase Sapphire Preferred, Citi Premier, or Cap1 Venture.
Or you can go straight to the premium travel cards.
Some repeat points to above, but if you’re in Canada now:
- Get a Canadian AMEX and then convert it to a US AMEX as noted above
- Discover used to be easier to get and has at least some rewards until you have enough credit history for a better card
- Your limit is likely to be low on your US cards, so don’t close Canadian cards yet and use those for items that may be above your limit, as you may not get a high limit right away
- If you’re income is high enough in the US role, it will be easier even if your credit history is poor
I’m not sure if you’ll have a huge amount of choice with the conversion. My preferred would be to get AMEX Platinum, Gold, or Bonvoy, balancing the signup bonuses and fees against your anticipated spend. You’d need to consider your situation in more detail in terms of how you’d prefer to redeem.
Def Amex Gold
4X on groceries and fast food / restaurants
3x on flights
1x on everything else
+ card perks like $10 a month Uber credit
+ $10/month dinning credit and more card perks
I use Rakuten to earn more points on purchases like clothes and electronics. It’s a hack. Amex partners with Rakuten so you can redeem your cash back for points instead (ex: bought clothes on Macys, Rakuten offered 10% cash back in which translates to 10x the points, on $44 purchase, got 440 points)
Finally, they always have bonus offers that allow you rack up more points or save money
I can send a referral link for a 90k bonus offer if you spend $4k within the first 6 months
Full disclosure: I get 30k points if you are approved, but I really love this card and recommend it even if you don’t use my referral link, have been able to rack up 130k this year with the card by using it for groceries, food, and travel (the 130k points includes 80k bonus points offer)
The easiest way to get a cc is through your bank. Open a deposit account, get a little bit of history/relationship in your belt, and apply for their cc. Most banks have tons of programs for those with no or limited credit history, including a prepaid credit card.