Cheers, and welcome to the United States!
Use your
British
credit history to apply for U.S. credit cards and more
We’ve partnered with
Equifax UK
to locate and translate your
British
file into a U.S.-equivalent score that Nova Credit's partners can use to evaluate your application for the following products:
  • Credit cards
  • Apartment rentals
  • Phone plans
  • Student loans
Cheers, and welcome to the United States!
Use your
British
credit history to apply for U.S. credit cards and more
We’ve partnered with
Equifax UK
to locate and translate your
British
file into a U.S.-equivalent score that Nova Credit's partners can use to evaluate your application for the following products:
Credit cards
Apartment rentals
Phone plans
Student loans

Rent an apartment

Renting an apartment without a U.S. credit score can be hard, and often requires an increased deposit. We work with a number of tenant screening platforms to help you use your credit from another country. Ask your landlord if they use Yardi, Intellirent, or First Advantage to evaluate your rental application. Questions? Send us an email at help@novacredit.com.

Apply for a student loan

International students often can’t finance their degrees through banks. Use your international credit to apply for a loan for your U.S. studies with MPOWER Financing.

Apply Now

Find a cell phone plan

You can now use Nova Credit to access your international credit history and apply for a post-paid plans with a major U.S. cell phone company in selected cities. Feel free to send questions to help@novacredit.com.

HERE ARE YOUR OPTIONS
U.S. credit cards available with your
British
credit history
15 credit cards available
American Express has partnered with Nova Credit to help you use your
British
credit history to apply for a credit card.
Here are some of our editors' top picks at American Express for
British
newcomers. Need help choosing?

Many of the card offers that appear on this site are from companies from which Nova Credit receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Nova Credit does not include all card companies or all card offers available in the marketplace.

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HERE’S HOW IT WORKS
How to apply for American Express cards using your
British
credit history

Step 1

Select a credit card
Visit our
credit card shop
to see all available Nova Credit-enabled cards that you can choose from. Click “Apply Now” to start your application on the American Express website.

Step 2

Indicate you'd like to use us

On American Express' card application form, click the checkbox that indicates you have foreign credit history next to the Social Security Number field.

Step 3

Request your credit history

When you successfully use Nova Credit in your application, we will translate your international credit data and send it to the lender so that they can better evaluate your application.

Step 4

Build your U.S. credit history

If you are approved by American Express, you will receive your card and can start building U.S. credit history. Using your card and paying bills on time can help create good credit history.

Need more help? Read our guide on How to apply for an American Express Card with your international history or send us a message.

OTHER options for
British
Newcomers

More newcomer credit cards

If you don’t have a
British
credit history, here are a few alternative options for newcomers. Note that these credit cards don't use international credit history through Nova Credit in their application.
Explore Credit Cards

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More options for
British
Newcomers

Newcomer-friendly credit cards

If you don’t have a
British
credit history, here are a few alternative options for newcomers. Note that these credit cards don't use international credit history through Nova Credit in their application.
Explore Credit Cards

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SET UP YOUR NEW LIFE
More offers for
British
newcomers

Moving to a new country means setting up a new life. Nova Credit partners with many companies offering products that can serve people who have recently move to the U.S.

See all Newcomer Products
Apartments

Live in the home that you deserve to live in

Phone Plans

Get better financing options for your new phone

Student Loans

Apply for a loan with favorable interest terms

Guides and resources for U.S. Newcomers

From Los Angeles to New York, we’ve got you covered. Explore our guides for newcomers that can help you learn everything from the in’s and out’s of American healthcare to navigating the school system, guides to American credit, visa processes and more.

View all Guides & Resources
Get the Arrive newsletter and Nova Credit updates

Resources, tips and tricks for those considering a move and those who have recently arrived

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Can I just transfer my credit score without applying for a credit card?

Unfortunately, we cannot transfer your international credit report to a U.S. credit bureau in the U.S. Nova Credit is used to find credit reports in international credit bureaus and send them to U.S. lenders directly. These lenders have to be partners of Nova Credit in order to accept these translated credit reports in their applications.

Can I only use Nova Credit to apply for credit cards at American Express?

Today, American Express is the only large U.S. credit card issuer that accepts international credit data through Nova Credit. American Express currently accepts credit history from Australia, Canada, India, Mexico and the UK. We’re working hard on enabling them to use more countries, and enabling other banks to use Nova Credit as well! For updates, please subscribe to our newsletter.

Do I need a U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to use Nova Credit?

This depends on the credit products you apply for. For American Express Personal Credit Cards you do not need a U.S. SSN or ITIN but you do need a U.S. Address. For our other partners SSN and / or ITIN may be required. Note that for American Express Personal Credit Cards Nova Credit is available to newcomers from Australia, Canada, India, Mexico and the UK.

Will this hurt my U.S. credit score?

Using Nova Credit does not negatively impact your U.S. credit score. In fact, Nova Credit may help you create a first time U.S. credit file and U.S. credit score by virtue of using a credit product that was issued to you from our partners after using Nova Credit. Special case: if you're from Mexico, using Nova Credit could result in a hard inquiry and impact your Mexican credit score.

Looking for more information? Check out our Help Center or send our team an email with any questions.

Find the credit card that’s right for you

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