“I just got my ITIN and plan to use the Amex Global Transfer method to get my first US credit card based on my foreign Amex history. Can I use a PO box as a mailing address for Amex?”
Your ITIN is one of the identifiers Amex tells phone applicants to have ready. If you have a qualifying foreign Amex account and an actual U.S. home street address, the P.O. box issue does not have to stop your application. [2][3]
Your answer depends on whether the P.O. box would replace your required home address or merely be an additional mailing address.
Give Amex your actual U.S. home street address for the application. You can request the P.O. box only as a separate mailing address, but Amex’s public instructions do not guarantee that it will accept the box or send the first card there. [1][2][5]
Do not enter an ordinary P.O. box in place of your home address. Amex asks for a U.S. home address, and the bank’s requires a residential or business street address. [1][5][6][7]
The federal exception allows an APO/FPO box or a next-of-kin or other contact’s residential or business street address. Use the phone route and explain the applicable exception; do not falsely describe someone else’s address as your home. [2][5]
Having an ITIN does not remove Amex’s ability to request identity and address-verification documents. [2][4]
These steps keep your Global Transfer application consistent with both Amex’s published process and the federal address rule.
Before applying
Confirm your foreign Amex qualifies
Corporate cards and cards issued by another bank on the Amex network are not eligible for this Global Transfer process. Amex allows one U.S. card through the process initially. [3][4]
Requisitos
Before starting the application
Prepare your identity and address details
Use your home street address—not an ordinary P.O. box—as the application address. Amex asks phone applicants to have all these details available, and the federal rule requires a residential or business street address. [2][5]
Requisitos
When ready to apply
Choose the appropriate application channel
For a standard application, use https://www.americanexpress.com/en-us/company/about-us/moving-abroad, select a personal card, click “Already a Card Member,” and enter your existing account number, U.S. home address, and home phone. If separate P.O. box delivery or the no-street-address exception matters, apply by phone at 877-621-2639, Monday through Sunday, 8:00–23:00 EST. [1][2]
Requisitos
After submission
Respond to any verification request
Amex says it may contact you within one week for identification documents or additional information and may request address verification. Its public page does not specify a response deadline or which proof-of-address documents it will request. [4]
Requisitos
You are not the first to go through this. Here is how it went for others who asked the same thing.
u/Inner_Parfait_6906r/amex16 ago 2026
This answer is based on American Express’s U.S. Global Card Transfer instructions, the current eCFR customer-identification rules, and American Express’s official resolution-plan filing.
American Express Global Card Transfer (U.S.)
Amex requires your existing account number and a new U.S. home address and phone number for an online Global Transfer application.
Apply for your new Card online
Complete the application with your existing Account number, new U.S. home address and home telephone number.
American Express Global Card Transfer (U.S.)
Amex accepts an ITIN in this process and publishes a dedicated phone-application route for personal cards.
Apply for your new Card by phone
For Personal Card apply by phone: Call 877-621-2639, available Monday - Sunday from 8:00 - 23:00 (EST). Please have your existing Account details, U.S. home address, U.S. home phone number, U.S. bank details, passport details, employment details, and Social Security Number or Individual Taxpayer Identification Number available.
American Express Global Card Transfer (U.S.)
This establishes which foreign Amex relationships qualify for Global Transfer.
Eligibility
To be eligible for a new Card in the U.S., your existing Card must be issued by American Express, you must be the primary Cardholder, and have held the Card for at least 3 months. Your Card Account must be open and in good standing at the time you apply for a new Card in the U.S. If the Card was previously cancelled by you, it must have been cancelled within the last 3 months. American Express Corporate Cards and American Express Cards issued by Banks other than an American Express Bank are not eligible through this Card application process.
American Express Global Card Transfer (U.S.)
Amex limits the initial transfer process to one U.S. card and may require verification documents.
Important information
You may only apply for one Card in the U.S. at this time. You may apply for additional Cards when you have built up a local credit history. We may request documents for ID purposes and address verification.
31 CFR 1020.220
The federal rule requires a street address and gives a narrow alternative only when an individual has no such address.
(a)(2)(i)(A)(3)
( _3_ ) Address, which shall be: ( _i_ ) For an individual, a residential or business street address; ( _ii_ ) For an individual who does not have a residential or business street address, an Army Post Office (APO) or Fleet Post Office (FPO) box number, or the residential or business street address of next of kin or of another contact individual; or
31 CFR 1020.100
The regulation’s definition of a covered bank account includes credit accounts and other extensions of credit.
(a)(1)
( 1 ) _Account_ means a formal banking relationship established to provide or engage in services, dealings, or other financial transactions including a deposit account, a transaction or asset account, a credit account, or other extension of credit. Account also includes a relationship established to provide a safety deposit box or other safekeeping services, or cash management, custodian, and trust services.
American Express 2025 Resolution Plan, Public Section
American Express identifies AENB as the national bank issuing its U.S. consumer card products.
page 9
All of the USCS card products and non-card lending products are issued by AENB. AENB is an FDIC-insured national banking association headquartered in Sandy, Utah.
These are the official rules and issuer instructions published on the cited dates; rules and issuer procedures can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
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