Sheridan, Wyoming – September 16, 2026 – A question keeps coming up among international entrepreneurs: how do you get a U.S. business credit card that only needs an EIN, not a Social Security Number? It points to a bigger problem. Non-residents are largely shut out of the U.S. financial system. Founders Credit is one of the services built to address that.
Every month, thousands of non-U.S. business owners try to get an EIN without an SSN, open a U.S. business bank account from overseas, and apply for business credit cards without a Social Security Number. Most hit rejected applications, conflicting advice, and requirements they can’t meet from abroad. Founders Credit runs that whole process for them.
The setup usually follows a sequence. It starts with a U.S. EIN obtained without an SSN, with ITIN support where it’s needed, and a real U.S. business presence, including which state to form in (Wyoming, Florida or Delaware are the common ones). From there the company helps open U.S. business banking for non-residents remotely, then apply for U.S. business credit cards without a Social Security Number.
A lot of the work is building a U.S. business credit profile over time. As that profile grows, the company says founders can move from entry-level accounts up to premium U.S. business credit cards such as the American Express Gold and American Express Platinum, and eventually to U.S. business credit lines that non-residents usually can’t reach on their own. It typically takes a few months rather than happening overnight.
The same U.S. profile also opens up personal credit. The company says non-residents can build personal U.S. credit over time and qualify for consumer cards from issuers such as Capital One, Chase and American Express.
Rewards are another reason non-residents want U.S. cards. The money a founder already spends on advertising, suppliers, software and travel earns almost nothing on many European cards. Run through U.S. business cards, that same spending earns points and cash back that can go toward business-class and economy flights, hotels, and statement credits. Founders Credit provides a calculator that estimates what a given monthly spend is worth in the U.S. system.
Demand has grown with the rise of remote, location-independent businesses. European founders, digital nomads and other non-U.S. entrepreneurs increasingly run companies that sell into the United States or operate globally, yet stay outside U.S. banking and credit because they have no Social Security Number or U.S. residency.
“Most non-resident founders assume a U.S. business credit card without an SSN doesn’t exist, so they never try,” said Valentin Nicoara, co-founder of Founders Credit. “It does exist. The path is just undocumented and full of dead ends. We map it and handle it for them, so the spend they already have starts working for them, from banking to premium cards to travel.”
Founders Credit works with entrepreneurs across Europe and worldwide, and offers a free eligibility check for founders who want to know where they stand.
About Founders Credit
Founders Credit is a done-for-you service that helps non-resident and international founders access the U.S. financial system. Founded in [doplň rok], its services include an EIN without an SSN, U.S. business banking for non-residents, a U.S. business presence, U.S. business and personal credit cards including the American Express Gold and Platinum, and access to U.S. credit lines over time — all without a Social Security Number or U.S. residency. The company’s mission is to give international entrepreneurs remote access to the U.S. financial system, without the barriers that normally keep non-residents out. More information is available at https://founderscredit.llc.
Disclaimer: This press release may contain forward-looking statements. Forward-looking statements describe future expectations, plans, results, or strategies (including product offerings, regulatory plans and business plans) and may change without notice. You are cautioned that such statements are subject to a multitude of risks and uncertainties that could cause future circumstances, events, or results to differ materially from those projected in the forward-looking statements, including the risks that actual results may differ materially from those projected in the forward-looking statements.
Media Contact
Company Name: Founders Credit
Contact Person: Valentin Nicoara
Email: Send Email
City: Sheridan
State: Wyoming
Country: United States
Website: https://founderscredit.llc
Press Release Distributed by ABNewswire.com
To view the original version on ABNewswire visit: Founders Credit Helps Non-Residents Get a U.S. Business Credit Card Without an SSN
