Have SSN/ITIN, and have a credit history of three months or more.

SSN: Ten days after entering the United States, you can apply for your own SSN (social security number) at the local social security office with your passport I20 and work certificate I94 (entry record information) (you can check the nearest office on the local SSA). This figure is very important and is often used to receive wages and pay taxes. The importance may be equal to the domestic ID number.

ITIN: Here is the tax number. In fact, it is a number specially set by the Internal Revenue Service (IRS) for those who are not eligible to apply for SSN but have tax declaration requirements.

Duration of credit record: more than three months is enough. Credit history includes the time you have held someone else's secondary card.

02 advantages

No annual fee

$250 card opening reward: if you spend $2,000 in half a year, you can get 100, and spend 20% on Amazon in the first six months, up to 150, totaling $250. (Card opening rewards may change over time)

3% cash back in supermarkets (supermarkets such as 99 Ranch, Trader Joe's, Heb and Schnucks will be included), 2% cash back after refueling, and other categories 1% cash back.

This card often has some discounts from merchants, such as Amazon's return for 40 10, Ami's reduction for 50 10, and IKEA's reduction for 250/0.

The amount is very high, generally more than 8000 dollars.

After opening the card, you can open a supplementary card for your friends or relatives (SSN or ITIN is not required). The reward for opening a secondary card is to spend $65,438+0,000 in half a year and get $65,438+0,000.

03 shortcomings

Compared with Visa and MasterCard, AmEx charges merchants more, which is actually the reason why AmEx can give users so many discounts. However, the high handling fee ratio may cause some supermarkets or small shops in China not to accept American Express cards, so the acceptance and popularity of American Express cards are not as good as those of Visa and MasterCard, but don't worry too much. General restaurants, large supermarket chains and gas stations will definitely charge. The above is taking American Express Blue Cash Everyday (BCE) credit card as an example to illustrate the application conditions, advantages and disadvantages of the card. Because credit cards involve money, you should be cautious before applying and refer to the advice of your parents and seniors studying abroad.