A lot of people are suddenly seeing the same pre-approval offer inside Credit Karma: - starting limit around USD 5,000 - no annual fee - 2% cash back - USD 200 bonus after USD 1,000 in spend - approval flow that shows the limit before the full application On paper, that sounds great. But the catch is the issuer. The card runs on the American Express payment network, yet the bank behind it is Credit One. That matters, because a high limit and clean rewards do not automatically make a card a good long-term product. Why this matters for Cloud Residents If you are early in your US credit journey, a higher limit can help utilization fast. If you care about avoiding weak issuers, hidden headaches, or limited access paths, this is the part to watch closely. Key details: - the main appeal is seeing the limit before going deeper into the application - the reported offer is showing through Credit Karma pre-approvals, not a normal public application - the headline value is the higher starting limit, not just the cash back - the biggest concern is still Credit One being the issuer - this looks more like a tactical utilization play than a dream keeper card Bottom line: If your goal is a bigger limit quickly, this could look attractive. If your goal is strong long-term banking relationships and cleaner products, you probably want to think twice before getting excited by the headline numbers alone. See you in comments, Ain - Cloud Resident

You can open this checking account using just an ITIN and a U.S. address. It’s recommended to first open a brokerage account with etrade, then add the checking account afterward. The online application does NOT support ITIN for checking accounts. You’ll need to contact customer support and have them help you complete the application. Features of this account: - debit card - Zelle transfers - Reports to EWS

I already had a U.S. Bank personal account, and today I applied for a U.S. Bank business account with my LLC. After filling in my personal information and company details, the application was approved instantly. Currently, U.S. Bank is also offering a business account bonus promotion: • Deposit $5,000 and keep it for 2 months → get $400 bonus • Deposit $25,000 and keep it for 2 months → get $1,200 bonus https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account.html The application process was very easy, especially if you already have a relationship with U.S. Bank.

The Schwab Bank High Yield Investor Checking® Account offered by Charles Schwab is a stand-alone U.S. bank account, not merely a feature inside a brokerage platform. Although it is typically linked to a Schwab brokerage account, the checking account itself is issued by Schwab Bank, making it a true U.S. checking account rather than a brokerage cash balance. One of its notable features is support for Zelle, and the debit card issued with the account provides unlimited ATM fee reimbursement worldwide. Another useful feature of the Schwab setup is that the linked brokerage account can act as an international funding gateway. https://international.schwab.com/resource/instructions-to-transfer-money-to-your-schwab-account For example, if I transfer HKD to the Citibank HK account they provide—including my name and account number in the reference—the funds are typically credited directly to my account in USD within 12 hours. It is extremely convenient. After that I can transfer the USD to the checking account. Below are two common methods to open a Schwab checking account. Method 1 — Convert an Existing Schwab International Brokerage Account If you already have a Schwab International brokerage account, you can convert it into a U.S. domestic Schwab account, which then allows you to apply for the checking account online. Steps: 1. Log in to your Schwab account and go to Account Settings. 2. Attempt to change your address to a U.S. address. 3. The system will show a notice stating that U.S. addresses cannot be changed online and will provide a form for address update requests. 4. Download and complete the form. 5. Attach the following documents: ITIN CP565, proof of US address 6. Send the form and documents to Schwab through Secure Message. 7. After approximately one week, your account may be converted to a U.S. Schwab account.

Does soemone know what is the best catchall credit card that has no Annual fee/fx fee and are ITIN friendly. Preferably one that has 2% or better rewards.