Amex & Nova Team for New Credit Passport

Advertiser Disclosure

Last updated on February 15th, 2024

American Express and Nova Credit are joining forces to make establishing credit in the United States just that much easier. Using Nova’s Credit Passport program, Amex hopes to ease the transition from foreign credit to U.S. credit for citizens of nine countries. 

Amex and Nova Partner to Expand Credit Reach for Recent Immigrants

Establishing credit in the United States can be daunting for recent arrivals. The American credit system’s typical requirements (a valid Social Security Number or EIN tax ID number) make qualifying for traditional credit cards difficult.

Now, thanks to a new partnership with Nova Credit and its Credit Passport program, American Express is looking to make it easier to establish U.S. credit for the first time. The new program will see Amex make getting approved for credit cards through Amex made easier for citizens of select countries.

How Nova’s Credit Passport Works

Nova’s Credit Passport works by ‘translating’ foreign credit reports into an equivalent U.S. credit report and score. Nova created its system in 2019 to help recent arrivals from Australia, Canada, India, Mexico, and the U.K. establish credit in the United States for the first time.

The new partnership will see the list of eligible countries expand to include Brazil, Nigeria, the Dominican Republic, and Kenya. Amex expects to add even more names in 2022, though the company did not list any potential additions.

“When deciding whether to approve or decline an applicant for an American Express Card product, we consider many factors, such as the applicant’s credit score, delinquencies and defaults on their credit report, their debts with other lenders, our experience with them as a former/current American Express customer, fraud review, and other eligibility requirements,” said Sara Milsten, Senior Vice President of New Member Acquisition, U.S. Customer Service at American Express told ZDNet in an interview.

Immigrants and Credit in the United States

Numerous fintech firms have sought to make access to credit easier for recent immigrants, but Amex and Nova’s partnership will see this goal taken to the next level. Deserve is one such fintech, offering its Deserve EDU and Deserve PRO credit cards to a wider selection of applicants – including recent immigrants to the United States. Other options include the OpenSky Secured Visa Credit Card, Jasper Mastercard, and the Tomo Card.


Featured image by Skitterphoto / PixaBay

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.