Im interested to know if there's a way to pay payroll with credit cards without having a 3% fee.

Hey everyone, Have you guys opened a personal account with Mercury? I got an offer last time but I am still waiting for my ITIN to arrive The fee is $240 annually and I am not sure if this is worthy. If you have got one, lets us know if this is worthy. My guess, you will get easy credit card based on your deposits and that counts towards your credit score too. This feature is still on the way; and you may have to wait for waitlist unless you get a direct invitation code from their team/sales.

Hi everyone, Building business credit for my US LLC (Non-Resident) and just hit a roadblock. Looking for data points on how to pivot. The Situation: • Capital One Platinum: Stuck on a generic "Sorry" error. Received a letter for Identity Verification (ID/Driver's License) but it explicitly says: "DO NOT SEND PASSPORT." • Chase Business: I have a Business Checking account with a 5-figure balance, but it’s only 2 months old. Applied for a Business Ink and got a rejection. • Current Progress: I already have a Fizz card and an ITIN, trying to build a solid score. The Conflict: As a non-resident, my Passport is my primary ID. Capital One seems to be a "wall" without a US Driver's License. Chase also seems to want more "seasoning" despite the high balance. Questions: 1. Has any non-resident bypassed the Capital One "No Passport" rule recently? 2. For Chase, is the 2-month history the main issue, or is it the lack of a personal FICO score? 3. Should I just pivot to Amex Business now since they are more Passport/ITIN friendly? Would appreciate any advice from those who navigated this without a US ID.

The one card you’d consider the final boss, and why?

Quick question for everyone: When choosing credit cards, what do you prioritize most? • Points / miles (travel rewards) • Cashback • No annual fee And more importantly: why? Curious to see how everyone is thinking about this, especially with different strategies around travel, business spend, and credit building.