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

You could already be eligible.

Use your international credit report to find out.

I moved to the U.S. from...

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476
-10001000

Good Credit Score

in the UK

887
-2001200

Good Credit Score

in Australia

752
300900

Good Credit Score

in India

ForbesThe New York TimesCNBCThe Economist

Find the right U.S. credit cards for you

See personalized recommendations for U.S. credit cards based on your eligibility to use your international credit history.

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

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Step 1

Determine your eligibility

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Answer a few questions to determine which cards you are eligible for

Step 2

See personalized recommendations

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View card recommendations based on your credit history in the U.S. and abroad

Step 3

Start building your U.S. credit history

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Get a head start on your journey to financial integration in 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

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Guides and resources for U.S. newcomers

I moved to the U.S. from...

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