Your offer letter is your credit history.

A Visa credit card approved on a signed U.S. job offer, before your first paycheck. Reassessed the day payroll lands.

Join the waitlist

What counts as evidence.

We read: Offer letter and start date, Salary, then payroll once it lands, Savings and cash flow, Rent and remittance obligations, Foreign credit history (optional).
Starting line: $1,000–$2,500, illustrative. Sized to your capacity after rent and essentials, not to a score you don’t have yet.
First unlock: First payroll deposit.
The coach’s focus: Fast, clean file growth toward Platinum and Reserve while staying under Chase’s 5/24.
The risk we plan for: One sponsor. A layoff hits money and status together, so we plan the buffer with you.

Month by month.

Day
0
Starter line opens on your offer letter, savings, and start date.
Month
1
First payroll lands. Line reassessed upward.
Month
6
First FICO score appears.
Month
9–12
Mainstream 1.5–2% cash-back card.
Month
12–18
Mid-tier travel card, Sapphire Preferred class.
Month
12–24
Platinum or Reserve consideration at 720–740+ with a clean file.

Typical, not promised. Every step depends on on-time payments.

Questions professionals ask.

I haven’t started the job yet. Can I apply?

That’s the point. A signed offer letter with a start date, plus savings to cover the gap, is evidence. You can begin before you land and finish once you have a U.S. address. Your line is reassessed when the first payroll deposit lands.

What if I get laid off?

Your file keeps reporting as long as you keep paying. The coach switches to a protect-the-file plan: minimum spend, autopay from savings, no new applications. Status questions go to an immigration attorney, not us.

Do I need an SSN?

You’ll get one through your employer. If the card partner allows a passport or ITIN start, we’ll say so plainly. We won’t claim it until it’s true.

Can I use my credit history from home?

Optionally. Some countries’ bureaus can be read through a partner. It helps the starter decision; it doesn’t create a U.S. score.

Not a professional? See the student card.

Get on the list.

We open by country. Tell us where you’re moving from and when you land.