This article explains my experience in getting an ITIN number and US credit cards.
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The Canadian churning world isn’t doing too well: AMEX has severely tightened up, MBNA has limited Alaska card churns, and we’ve lost the IHG and Delta credit cards. Boo! This prompted me to seek out US credit cards, which offer substantially better churning opportunities.
Lately, I’ve been very involved in the US credit card market. Why? Simply put, US credit cards offer better sign-up bonuses, and generally greater returns. However, as a Canadian, it’s substantially harder to get US credit cards, as I don’t have a Social Security Number (SSN). Although an SSN is outside the reach of most people, an Individual Taxpayer Identification Number (ITIN) is not. With an ITIN, you can build a US credit report, and easily apply to many, but not all, US credit cards. This article will explore my experience so far.