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Company details

  1. Financial Consultant
  2. Alternative Financial Service
  3. Credit Counseling Service
  4. Financial Planner
  5. Tax Consultant

Written by the company

UP Credit helps non-US citizens access the American financial system. We specialize in helping non-resident business owners and entrepreneurs unlock accounts with the Big 5 US banks, secure high-redemption credit cards, and access business funding—regardless of where they live. Our comprehensive services guide clients through every step of establishing a US financial presence. We handle US business structure formation, ITIN processing, credit profile establishment, and provide hands-on bank account opening assistance, including guided trips to Miami where we accompany clients to open accounts in person. Whether you're looking for a DIY approach or prefer done-with-you support, we offer flexible service tiers to match your needs and budget. Our team walks you through the entire process—from obtaining your ITIN to building a strong credit profile that unlocks premium rewards cards and business lines of credit. We've helped over 500 clients from around the world access more than $5.6 million in US credit and funding. Our track record proves that you don't need to be American to leverage the world's most sophisticated business credit system. If you're an international entrepreneur ready to expand into the US market, UP Credit provides the roadmap, support, and expertise to make it happen.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

13 reviews

5-star
4-star
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Rated 5 out of 5 stars

UP Credit to the rescue

JP and team have been amazing to work with from the beginning. Explaining everything from the onset, they have been patient and walked me through exact steps to open my first US credit card. The skys the limit from here on out. Will continue to work with UP and would highly recommend their team for the great work they do

February 1, 2026
Unprompted review
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Reply from UP Credit

Glad we were able to help!

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Rated 5 out of 5 stars

Best decision for my credit journey

Joining the Up Credit Skool community mid last year was one of the best moves I’ve made for my credit journey. As a non US resident, I now have US credit cards with Chase, Amex, and Capital One. Huge thanks to JP for creating such a helpful community and for the support along the way.

February 8, 2026
Unprompted review
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Reply from UP Credit

Thanks Ben!

Rated 4 out of 5 stars

My experience with UP credit

It felt professional and well handled from beginning to end. The team laid things out clearly and responded fast, which made everything go smoothly. The whole process stayed organized and easy to follow. Overall, a great experience for anyone looking to set up access to U.S. credit the right way.

January 8, 2026
Unprompted review
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Reply from UP Credit

Thanks Liam!

Rated 5 out of 5 stars

I used UP CREDIT to apply for my ITIN…

I used UP CREDIT to apply for my ITIN number and was very pleased with their service. Everything went smoothly and professionally. Communication was quick and clear, which made the entire process completely stress‑free.
I was kept informed at every stage, which gave me a lot of confidence. Once the number was issued, I immediately received an email with the option to discuss the next steps.
Overall, a very positive experience — a reliable service I can gladly recommend!

February 2, 2026
Unprompted review
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Reply from UP Credit

Happy to have helped with the ITIN Pascal!

Rated 5 out of 5 stars

Read THIS before you sign up with UP Credit

I've been tried many ways to build my US credit as a Canadian but hitting many roadblocks. JP and Up Credit team walked me through step by step process to get ITIN, apply for multiple credit cards with 0% interest rate for my business expenses and we are now in the process of getting our a couple of business loans setup. If you're running business and know that an additional 200k can help you scale your business. Start applying for it early and do it with the right team. It'll save you a lot of time!

February 2, 2026
Unprompted review
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Reply from UP Credit

Thanks Ping, always glad to help Canadians in the Realestate nitche... Massive opportunity for most business owners!

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Rated 5 out of 5 stars

JP is honestly one of the most punctual…

JP is honestly one of the most punctual and organized people I’ve had the pleasure to work with. If you’re looking to build us credit he has every solution. Often times when you hear about opportunities like this you want to take advantage yesterday. And JP along with his team really do work on a time line like no other to get the job done. Often times they were waiting on me and help me push this whole process along as fast as possible.

December 8, 2025
Unprompted review
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Reply from UP Credit

Appreciate the kind words, we keep a high standard here at UP Credit!

Rated 5 out of 5 stars

Great Communication Throughout

Everything was handled professionally and communication was solid throughout. Highly recommend them to anyone looking to build or access US credit

January 29, 2026
Unprompted review
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Reply from UP Credit

Glad we were able to help!

Rated 5 out of 5 stars

UP credit go above and beyond.

The team at UP credit go above and beyond.

I have been working with UP Credit to get US credit as an Australian. The team who I have been working with which is JP, Simone and Olivia have been so helpful throughout the entire process helping me with my corporate structure and advisory, and getting me accounts straight away with my personal situation.

What i liked most about them is their holistic approach looking at my situation and giving me options instead of trying to push me into products that don't match my goals.

You're in good hands with UP Credit

January 30, 2026
Unprompted review
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Reply from UP Credit

Thanks Jack! Was a pleasure to help you.

Rated 5 out of 5 stars

My experience with UP Credit has been…

My experience with UP Credit has been honestly surprising.

Always thought that opening accounts in the US was pretty difficult since I run a business outside the US...

We got access to Net-60 accounts and great levels of funding for the e-commerce store we run.

Before we used to spend 6 figs in spend on canadian debit cards... now im doing it through the Sapphire Business and it gets me 3X for every dollar we spend on ads.

Thanks a lot to JP and his team, would recommend them!

November 19, 2025
Unprompted review
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Reply from UP Credit

Thanks for the feedback!

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Rated 5 out of 5 stars

I had a great experience with UP…

I had a great experience with UP Credit. As a non-US citizen, getting set up with US bank accounts and starting to build real US credit felt complicated at first, but they made the whole process very straightforward. They walked me through each step, answered all my questions, and were clear about everything. I’m now properly set up and on my way to cards like the Chase Sapphire Reserve and Amex Gold. If you’re an international entrepreneur looking to access the US financial system, they’re 100% worth it.

January 31, 2026
Unprompted review
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Reply from UP Credit

Glad we can help Alvaro!

Rated 5 out of 5 stars

Very helpful and knowledgeable when it…

Very helpful and knowledgeable when it comes to all things credit and accounts in the US. Helped us secure what we needed and gain connections where we required them to better our banking situation.

January 30, 2026
Unprompted review
UP Credit logo

Reply from UP Credit

Thanks Ethan, appreciate the kind words

Rated 5 out of 5 stars

UP Credit made getting US credit Easy

UP Credit made getting US credit as a Canadian entrepreneur seamless. They helped me set up a US bank account and get my first US credit card — something I'd been putting off because I had no idea where to start.

The whole process was smooth, the team was responsive, and they actually knew what they were doing. Having US credit has been a game-changer for my business operations.

If you're a Canadian looking to build US credit, these guys are the real deal. Highly recommend.

— Eron O.

August 1, 2025
Unprompted review
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Reply from UP Credit

Thanks Eron, it was great helping you access the US Financial System :)

Looking forward to see what you do with those cards!

Rated 5 out of 5 stars

They help me open bank accounts in US…

They help me open bank accounts in US and start receiving my first cards as a non-us citizen and even non-resident. Very recommended to get started in this US credit journey!

December 14, 2025
Unprompted review
UP Credit logo

Reply from UP Credit

Thanks Jorge! Happy you had a great experience

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