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Strategy to obtain US Amex

PointsLife1

Intern
Joined
Jan 30, 2020
Messages
73
My strategy for paying my ICC may help there - Citibank AU Global Currency Account denominated in USD, and a Revolut account. I have Revolut premium ($10/month) but if your bill is less than $9k USD then you can use the free account. Load your money to pay the bill onto Revolut, then use Revolut to convert it to USD (fee free) and then SWIFT it to your Citibank AU USD account, at which point you SWIFT it to Amex.

The reason for using Revolut is because Citi has a terrible exchange rate which is fine for like $10, but quickly loses you a lot of money as you increase the amount. The reason for using Citi is that Amex uses a "For Further Credit" account (the beneficiary is not the account holder) so you cannot use Transferwise, OFX, or any of those other providers - it must be a bank, and Citi allows you to hold the USD in USD until you need to send it, and send it free.
Very interested to see if this strategy will work as this would negate the need to open a US checking account and also not having to pay 20USD every month using XE money transfers.
 

Spazmos

Junior Member
Joined
Aug 5, 2019
Messages
33
Citibank AU USD account, at which point you SWIFT it to Amex.
Tried that back in 2019 and they take a $25USD from your transfer amount to pay your bill that way.... not sure if it has changed now.
 
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PointsLife1

Intern
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Jan 30, 2020
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73
Maybe the end of Chase cards for us even if we have ITIN.

https://www.reddit.com/r/CreditCards/comments/i7up6w
Also reported below, I think I might of wasted my money trying for ITIN number. If Chase is out then not sure if Citi is possible and the Citi Premier card.

 

ithongy

Member
Joined
Mar 3, 2009
Messages
162
Chase is a VERY conservative bank to obtain credit cards with.

Also reported below, I think I might of wasted my money trying for ITIN number. If Chase is out then not sure if Citi is possible and the Citi Premier card.

 

kyanar

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Apr 11, 2015
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Tried that back in 2019 and they take a $25USD from your transfer amount to pay your bill that way.... not sure if it has changed now.
When I do it, I pick "Fees Paid By: My Account" and I don't get charged any. I'd recommend trying it once to see if that works for you. If it helps, Amex ICC accounts are paid to a Standard Chartered account in New York, unsure what Amex US uses.
 

Rohit

Intern
Joined
Sep 2, 2017
Messages
75
Also reported below, I think I might of wasted my money trying for ITIN number. If Chase is out then not sure if Citi is possible and the Citi Premier card.

Not good.
 

pyusha

Junior Member
Joined
Jul 26, 2020
Messages
33
When I do it, I pick "Fees Paid By: My Account" and I don't get charged any. I'd recommend trying it once to see if that works for you. If it helps, Amex ICC accounts are paid to a Standard Chartered account in New York, unsure what Amex US uses.
I'll be trying later this week. Will revert on how it goes.
 

pyusha

Junior Member
Joined
Jul 26, 2020
Messages
33
Also reported below, I think I might of wasted my money trying for ITIN number. If Chase is out then not sure if Citi is possible and the Citi Premier card.

Not a waste I would say. One could still apply for additional Amex/BoA cards. Amex certainly entertains ITIN applications.
But yeah that's a bummer for Chase cards.
 
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Spazmos

Junior Member
Joined
Aug 5, 2019
Messages
33
When I do it, I pick "Fees Paid By: My Account" and I don't get charged any. I'd recommend trying it once to see if that works for you. If it helps, Amex ICC accounts are paid to a Standard Chartered account in New York, unsure what Amex US uses.
Ahh, maybe that's why, AMEX US uses JP Morgan Chase... tight ass bastards lol
 

Finale

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Aug 17, 2009
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Also reported below, I think I might of wasted my money trying for ITIN number. If Chase is out then not sure if Citi is possible and the Citi Premier card.

Not a total waste. Citi is still good with ITIN. Cap1 is ok as well. They don't have many interesting cards though. It's also easier to apply for Amex online in the future too especially with incognito bonus.
 

PointsLife1

Intern
Joined
Jan 30, 2020
Messages
73
Not a total waste. Citi is still good with ITIN. Cap1 is ok as well. They don't have many interesting cards though. It's also easier to apply for Amex online in the future too especially with incognito bonus.
Can you put ITIN number in for Citi in the SSN section? I noticed on AMEX US last night you can (see below)

Please enter your Social Security Number or Individual Taxpayer Identification Number to continue.

Gold card with the below increase benefit is interesting.

 

Finale

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Can you put ITIN number in for Citi in the SSN section? I noticed on AMEX US last night you can (see below)

Please enter your Social Security Number or Individual Taxpayer Identification Number to continue.

Gold card with the below increase benefit is interesting.

Yes they did with my app. They also asked me to email the copy of my ITIN as well.

Amex has always been that way about SSN and ITIN. Not sure if there is anything special about the message?

I wish Amex gave bonus points for restaurants and supermarket worldwide. I would use the cards more.
 
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blacksultan

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May 1, 2017
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753
Yes they did with my app. They also asked me to email the copy of my ITIN as well.

Amex has always been that way about SSN and ITIN. Not sure if there is anything special about the message?

I wish Amex gave bonus points for restaurants and supermarket worldwide. I would use the cards more.
They certainly do for restaurants. My green card does.
 
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Rohit

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Sep 2, 2017
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Not really . Receive it on tolls as well .
Yeah, I don’t really use toll roads much. It’s funny how it sometimes codes restaurants as grocery stores. No rhyme or reason. I recently used it on Menulog and earned 3X, then few days later at Door Dash it was just 1x. 😬
 
Joined
Jan 2, 2005
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Yeah, I don’t really use toll roads much. It’s funny how it sometimes codes restaurants as grocery stores. No rhyme or reason. I recently used it on Menulog and earned 3X, then few days later at Door Dash it was just 1x. 😬
Do we get the bonus points for restaurant and grocery spend if we use the US Amex card in Aust? I thought the bonus pts only apply to transactions in the US?
 

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