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Managing your money

Starting your financial life in the U.S. on the right foot is important. Here are some resources that will help you arrive and thrive.

March 26, 2020
Amex EveryDay Credit Card Review

The Amex EveryDay® Card offers an attractive array of awards perfect for travel enthusiasts and savvy shoppers. The generous introductory offer coupled with the lack of annual favorite makes this card a popular crowd-pleaser.

March 26, 2020
Blue from American Express Card Review

If you’re looking for a rewards card without an annual fee, consider the Blue from American Express credit card. Newcomers to the U.S. can use their international credit history to apply. 

March 26, 2020
American Express Cash Magnet Card Review

The American Express Cash Magnet® Card is an uncomplicated card with 1.5 percent cash back on every purchase and an attractive introductory offer of 0% APR for your first 15 months.

March 26, 2020
American Express EveryDay Preferred Credit Card Review

This card is a good fit for applicants with good-to-excellent credit who are looking for a card to finance everyday purchases and isn’t restricted to U.S. citizens alone.

March 11, 2020
How to open a U.S. bank account without an SSN

Banks need to verify account holders' identification, and some banks do this with an SSN. But there’s no law that prevents a bank from opening an account for someone who doesn’t have an SSN.

March 11, 2020
CreditStacks credit card review: Get approved before you arrive

The CreditStacks credit card isn’t necessarily the best credit card for people who don’t have a U.S. credit history, and some applicants won’t qualify. But it offers a few perks to cardholders and is worth considering if you’re moving (or recently moved) to the U.S. for work.

March 16, 2020
American Express Gold Card Review

The American Express Gold Card® is a premium credit card for individuals and families who spend significant sums at restaurants and supermarkets in the United States.

March 16, 2020
American Express Blue Cash Preferred Review

The American Express Blue Cash Preferred® credit card may come with an annual fee, but it more than makes up for that cost due to the excellent cash back perks it offers on purchases. 

March 7, 2020
American Express Blue Cash Everyday® Card Review

The American Express Blue Cash Everyday® Card is an excellent option for everyday shoppers with good to excellent credit scores who make frequent purchases for groceries and gas. Read on to see if this popular card might be the right choice for you and learn more about how U.S newcomers can apply. 

March 11, 2020
What is an ITIN? A complete guide to the Individual Taxpayer Identification Number

If you plan to work in the United States, you’re required to pay taxes. If you’re not eligible to receive a Social Security Number (SSN), you’ll need to an Individual Taxpayer Identification Number (ITIN). In this guide, we’ll discuss ITINs in greater detail.

January 28, 2020
Banking options for Canadians in the United States

Can Canadians open U.S. bank accounts? In this guide, we’ll not only share how to go about cross-border banking and establishing a checking or savings account in the U.S., but we’ll also share some of the best U.S. banking options for Canadians.

January 23, 2020
How long should I wait between credit card applications? 

The length of time between credit card applications can make or break your chances of being approved. Why is waiting important? How long should you wait? In this article, we talk about why it’s a good idea to space out your applications for a new credit card and explain how long you should wait before you apply for new lines of credit.

March 11, 2020
Deserve credit card review: three cards for U.S. newcomers

Deserve has designed three credit cards with U.S. newcomers in mind. While these cards are also available to U.S. residents and citizens, Deserve offers benefits and perks that might appeal to those who recently moved to the country and has yet to build credit.

January 23, 2020
How do credit card rewards work in the U.S.?

In the U.S., there are three main types of credit card reward programs: cash back, issuer rewards programs and co-branded rewards programs. Before signing up for a new card, learn about the differences to determine which card might be right for you.

March 11, 2020
How credit cards can help you build credit history

Why the craze for credit cards? They often offer rewards, have stronger fraud liability protections than debit cards and allow you to pay off large balances over time. Credit cards can also play an important role in helping you establish and build your credit.

January 23, 2020
Are store credit cards worth it?

Retail store cards may not always offer the best value, but they can help people build or rebuild credit and offer significant savings for those who qualify for special financing. 

January 23, 2020
How to start building credit at age 18

Establishing credit takes time, but starting early also teaches you valuable lifelong lessons such as managing debt and finances.

February 3, 2020
Who should (and who shouldn’t) get the Amex Platinum Card?

American Express is one of the most popular card issuers due to the considerable rewards offered by its wide variety of cards. Below, we provide a guide to one of the most popular cards the Amex Platinum card.

January 23, 2020
Lenders look at more than just your credit score

Lenders typically do a complete analysis of your entire credit history before they approve your request for a new product. Here’s an overview of which information creditors analyze when they check your credit report.

January 23, 2020
What is bankruptcy and how does it work in the U.S.?

Bankruptcy is a legal process that can help you reset your finances if you’re struggling financially. Each year, an estimated 530,000 families turn to bankruptcy as a last resort.

March 3, 2020
What’s the difference? Principal vs. interest

Two common terms often used in the world of banking and personal finance are principal and interest. We explain the difference between the two and apply these concepts.

March 11, 2020
The best credit cards for people with no credit history [2020]

Getting a credit card can be difficult when you’ve recently moved to the U.S. and don’t have a local credit history. So we made a list of great credit cards that you can get without a U.S. credit history.

March 5, 2020
Everything J-1 visa holders need to know about taxes

Visa-holders are subject to local laws—including taxes. Below, we explain the tax obligations of J-1 visa holders living and working in the U.S. 

February 25, 2020
How to apply for an American Express card with your international credit history

Crossing the border used to mean losing the credit history you built at home, but you can now apply for a card with your international credit card through our partnership with American Express

January 23, 2020
No U.S. credit history? No problem if you want to apply for a credit card

Building a U.S. credit history is important for anyone who’s recently moved to the U.S. because a good credit score is required to do basic tasks like rent an apartment, lease a car and get a cell phone plan.

January 23, 2020
Is no credit better than bad credit?

Are you more likely to get approved if your credit history doesn’t exist or if your credit score is poor? We discuss which is worse: bad credit or no credit.

January 23, 2020
The benefits of having good credit

Credit scores can have a big impact on quality of life. In the United States, a good credit history has numerous benefits.

January 23, 2020
How to send money abroad without spending a fortune

Tips what to do and what to avoid when sending money abroad.

March 7, 2020
Best American Express cards for U.S. newcomers

American Express is one of the absolute best credit card providers for people with good credit. This article covers some of the best choices for immigrants.

February 28, 2020
The best bank accounts for U.S. newcomers in 2020

Opening a bank account may be one of the first moves you want to take after arriving to the US. This article covers some of the best banking services available to U.S. newcomers

January 23, 2020
A guide to the different types of bank accounts in the United States

Wondering what banking options are available for you as a new immigrant in the United States? This article has everything you need to know.

March 5, 2020
How to apply for a credit card without a Social Security number [2020]

Don't have an SSN yet? Several card issuers allow you to apply for a credit card with no Social Security Number. This is a complete guide on how to get credit cards without an SSN.

January 23, 2020
How to get medical insurance when traveling

Your bags are packed, you’ve found a place to stay, and your flight is booked. You’re ready to move to America, right? Not quite. You’ve forgotten one very important thing — travel medical insurance.

January 23, 2020
The 3 ways to save when you send money home

Once Eduardo reached Illinois, started to settle into a new routine, and began to make money, he wanted to help his brother support his family. So, Eduardo asked his coworkers how they send money to their loved ones back home.

January 23, 2020
How to get a credit score after moving to the U.S.

We showcase real stories of people who newly arrived in the U.S. and how they built their credit scores, and give advice on how you can skip these steps all together if you only want a credit card.

February 28, 2020
How to use your international credit report to get credit in the U.S.

Newcomers to the United States used to have to build credit from scratch — now they can transfer their international credit report to the U.S. to apply for credit cards, loans, housing and more.

March 12, 2020
Best credit cards for non-U.S. citizens [2020]

Whether you’re temporarily moving to the U.S. for school or work, or making a long-term transition, you may be looking to open a new credit card

January 23, 2020
What is a secured credit card?

A secured credit card is a popular choice for people new to credit or working to rebuild their credit

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