THE CARDS YOU'LL GET
In 12–18 months you build a FICO score above 700 — and can then apply for the best travel credit cards in the world. Here are our current top picks:
EXAMPLE: $25,000 MONTHLY SPEND
Realistically split across two cards — with real category multipliers
| Category | Card | Spend/Month | Multiplier | Points/Month |
|---|---|---|---|---|
| Advertising & Marketing | Amex Business Gold | $10,000 | 4× (max. $150k/year) | 40,000 |
| Software & SaaS | Amex Business Gold | $3,000 | 4× (same category) | 12,000 |
| Travel & Hotels | Chase Sapphire Reserve | $7,000 | 3× (unlimited) | 21,000 |
| Restaurants & Other | Chase Sapphire Reserve | $5,000 | 1× | 5,000 |
| TOTAL / MONTH | 78,000 | |||
EVERYTHING INCLUDED — $7,999
Complete LLC Formation
We form your US LLC including EIN, Operating Agreement, Registered Agent, and all government filings. No US passport required.
Austin Area Home Address
A real residential address in the Austin area — not just a mailbox. Verifiable on Google Streetview. You receive a utility bill. Required for bank accounts, credit cards, and your ITIN.
3× Secured Credit Cards
We apply for three secured cards at US banks — the first step to building your US credit history and qualifying for premium cards in 12–18 months.
In-Person Bank Appointment in Austin
We personally accompany you to Chase, Citi, Bank of America, or Wells Fargo in Austin — business account, personal account, and first credit card applications in one day.
US Credit Card Applications
Immediately after account opening, we apply together with you for the first real US credit cards — the starting shot for your points portfolio.
ITIN Application
We apply for your Individual Taxpayer Identification Number (ITIN) — required for credit cards, bank accounts, and US tax returns.
THE PATH TO YOUR PREMIUM CARD
6 steps — 12 to 18 months
Build a US Credit Score as a Non-Resident | ZeroTax LLC
Day 1–2You send us your documents. We form your US LLC — fully remote, no US passport required, no notary appointment.
EIN (US Tax Number)
~10 daysWe apply for your EIN from the IRS. The tax number is the foundation for bank accounts, credit cards, and your ITIN.
ITIN (Personal US Tax Number)
2–3 monthsYour personal ITIN is applied for. Required for personal bank accounts, secured cards, and building your private US credit history.
Bank Appointment in Austin & Secured Cards
After ITINYou fly to Austin once. We personally accompany you to Chase, Citi, Bank of America, or Wells Fargo: business account, personal account, three secured cards — all in one day.
Score Grows Automatically
Months 3–12Your secured cards are paid on time. FICO and business score rise month by month — without any further effort on your part.
Unlock Premium Cards
Months 12–18With a score above 700, you apply for Amex Platinum, Chase Sapphire Reserve, and Chase Ink — with massive welcome bonuses and maximum multipliers.
FAQ
WHO WE ARE
Sebastian emigrated to the United States in 2008 and built Mount Bonnell Advisors in Austin, Texas. Since then, we have guided international clients who want to do business in the US — from LLC formation and ITIN to bank accounts and the complete US financial infrastructure.
READY FOR FIRST CLASS?
A one-time flat fee of $7,999. No hidden costs. No subscription. We handle everything — from LLC formation to the bank appointment in Austin.
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