Most people think you need old LLC with business credit score and a stack of bank statements to get approved for a business credit card. That's not how it actually works. There are banks right now that will approve a brand new LLC on personal credit alone. - No income docs. - No revenue verification. - No accountant needed. If you're a Cloud Resident building your US credit with an ITIN, this is one of the fastest ways to stack business credit early - while your LLC is still fresh and before you have revenue to show. Here are the 5 banks doing it. Chase Cards: Ink Business Unlimited or Ink Business Cash They pull Experian. 12 months 0% APR on both. You can apply for 2 cards on a single hard pull. Limits go as high as USD 50,000 on a clean credit file. American Express Cards: Blue Business Plus or Blue Business Cash They pull Experian, but here's the advantage: if you already have any personal Amex relationship, subsequent business applications are soft pulls. You can test multiple cards without damaging your score. Starting limits typically are around USD 2,000. Wells Fargo Card: Signify Business 12 months 0% APR. You do need a 60-day relationship with Wells Fargo before applying. Most starting limits I've seen are around USD 10,000. Worth opening a business checking account now and letting it age. US Bank Cards: Business Triple Cash or Business Platinum They pull TransUnion. No prior relationship required to get approved. Currently offering 0% APR for 12 months - worth noting this is shorter than the 18-month promo they ran for years. Starting limits are usually small, around USD 3,000, but they tend to increase to USD 10,000 and above over time. Bank of America Cards: Business Advantage 0% APR for 7 months. They prefer applicants with a existing checking account - deposits over 90 days tend to unlock better limits. If you're planning ahead, park some money there first. Bottom line: if your personal credit is solid and your LLC is newly formed, you don't need to wait for business revenue to start stacking cards. These 5 banks are the real no-doc plays.

Capital One Credit Limit Increase - USD 300 to USD 3,000 Following up on my Capital One Quicksilver One journey. Timeline: 2026.01.23 - Applied. Uploaded passport + ITIN letter same day. 2026.01.26 - Approved. Starting credit limit USD 300. 2026.04.18 - Requested a manual credit limit increase through the app. Declined. 2026.05.03 - Woke up to an email from Capital One. Automatic credit line increase from USD 300 to USD 3,000. Did not request it. The manual CLI request was denied just last month because the account was too new. Less than one month later the automatic increase hits without me doing anything. Interesting how that works. The account is three months old. For the last three statements I was using around USD 250 of the USD 300 limit each month.

Quick question if you have been upgraded from a Capital One secured card how did you get your deposit back? Did they send a check or apply it to your account and is it possible to avoid getting a check ? Thank you

Made an appointment with Chase in Texas and went there for account opening. Took almost an hour. My aim was a personal account and a business account for my newly founded LLC. Aim is the CSP after establishing some relation with Chase. There is an offer currently ongoing with 400 USD when having a 1.000 USD direct deposit. And according to reports an ACH from Chase Biz to Chase Private counts eligible. https://account.chase.com/consumer/banking/seo So first was a check of the documents I had with me, before creating my file. The superior had to give its approval since I applied as a Non-Resident. Afterwards we were going through the possible accounts offered. There I mentioned the code I have, so it has to be the Total Checking account. The banker tried twice to sell me a savings account, but when I mentioned I don’t want to struggle with IRS he accepted my decision. You can then choose the design of your Debit Card and choose a PIN. There is then a mandatory clip to watch about overdraft fees. When it came to the NRA-part, I had to provide my foreign tax residency address and also providing how many days I was in the US from 2024 to 2026. It was for the substantial presence test. „A person satisfies the "substantial presence test" to be considered a U.S. person for tax purposes (and fill out a W-9) if they are in the U.S. for at least 31 days in the current year and 183 days over a 3-year period. This period includes all days present in the current year, 1/3 of days in the first preceding year, and 1/6 of days in the second preceding year.“ You can get your travel history here: https://i94.cbp.dhs.gov/search/history-search/results In the end the system wanted the W8-BEN. Last step was setting up the app and adding the Debit Card to Apple Pay. Afterwards he was explaining adding other bank accounts to have an overview, my savings journey, also home loan. Score is not available - an SSN is needed.

I’ve been using my card only for U.S. transactions so far. Now I’m planning to use it internationally, including in-store purchases. Has anyone used their card internationally in physical stores without any issues?