Remote U.S. Card Churners and Services

By my definition, “remote U.S. card churners” are friends who are not in the United States but still pursue U.S. credit card rewards, bank bonuses, brokerage bonuses, and so on. In the past, this site’s content focused more on readers who churn cards while in the U.S. Since launching the 美卡 101 Knowledge Planet, we have found that quite a few remote churners are also earning rewards alongside U.S.-based players. Some of them studied in the U.S. for many years and have an SSN, and after returning to their home country, they have continued the habit of churning cards. Some have even brought their family members into the game as well.

Remote U.S. card churning is quite different from churning cards while physically in the U.S., especially when it comes to ITINs, addresses, phone numbers, bank accounts, identity verification, IP verification, credit reports, and making phone calls. On our side, we have also connected everyone with a number of reliable resources and contacts. We hope to provide trustworthy services that help remote churners smooth the path to churning U.S. cards remotely, while also helping everyone save on the cost of arranging various services and documents. The services and pricing currently available are as follows:

If you have any questions about the services above, you can add the 美卡 101 assistant for a consultation.

美卡 101 Knowledge Planet（￥399）

Online knowledge sharing for remote churners tends to be scattered. Although there is a lot of information in all kinds of areas, much of it is not the latest, and blindly following it can easily lead you down the wrong path and into many pitfalls. Therefore, we plan to write a series of up-to-date beginner guides and topical introductions for remote churners to help everyone get started quickly and smooth the road to churning U.S. cards. However, considering that content published on the blog can easily be copied, reposted, abused, or even used for gray-area businesses, we will publish the more advanced information in the 美卡 101 Knowledge Planet for members only to study and put into practice.

In addition, more than a dozen experienced remote churners have shared their own card-churning experiences, which everyone can use as references and learning materials.

We have also set up a dedicated companion group, the 美卡 101 Knowledge Planet - Remote Churning Group, where everyone can discuss real-time information.

“Limited-time event”: To help beginners get started, we have also partnered with various experienced remote churners to launch a one-on-one beginner support program! If you are a complete beginner to remote churning and want to avoid detours and pitfalls, you can join the 美卡 101 Knowledge Planet at the full price of ￥399. We will arrange for an experienced remote churner to give you one-on-one guidance. Of course, in return for their help, you will also need to use that person’s referral links at least twice to apply for credit cards or other accounts. With this kind of mutual help and mutual return, we believe everyone can do better.

In addition, friends who join the Knowledge Planet can also receive a copy of the Remote Churner Beginner Guide (full version), which should help everyone obtain the latest reliable foundational knowledge.

In addition, the experienced members in the Knowledge Planet can also provide paid help with difficult issues such as consultations, unlocks, phone calls, identity verification, and more. For details, you can ask after joining the Knowledge Planet.

ITIN Application（￥699 and up）

For most international students who do not have an SSN, applying for an ITIN is a very good way to use an alternative to an SSN for churning U.S. cards. The same is true for remote churners, because many credit cards, bank accounts, and brokerage accounts support applications with an ITIN.

We have previously shared ITIN-related knowledge and application methods as well:

Considering that mailing your passport and application forms is troublesome and can also lead to loss, we still recommend applying through an IRS-authorized Certified ITIN Acceptance Agent (CAA), so you do not need to mail them. Through the IRS official website, we have connected with several Chinese-language services and can offer everyone a discounted group-buy price for ITIN applications. After the discount, the application price starts at ￥699, and the exact amount will vary depending on your needs.

If you are interested in applying, you can contact our ITIN liaison, Guan Guan.

U.S. Private Address（￥1,088 and up）

A U.S. private address is probably one of the biggest headaches for remote churners. Many people rent addresses on websites such as ATMB (Anytime Mailbox) for receiving and forwarding mail. Recently, however, many ATMB addresses have been blacklisted by banks and credit card companies, resulting in large-scale account shutdowns. Therefore, we have partnered with several friends in the U.S. to provide a mail-receiving address service. These are all U.S. residential addresses, and the number is limited, so they are far better than ATMB-style addresses where hundreds of people share the same address.

Currently available locations include North Carolina, California, Texas, Massachusetts, and others. The price is ￥1,088/year. Services include mail receiving, scanning, paid forwarding, and more. At present, the U.S. private address service is only available to 美卡 101 Knowledge Planet users and is not open to the public. If you have questions or are interested, you can contact our address service liaison, Guan Guan.

美卡 101 Reader Group - Remote Churning（Free）

We have also created the 美卡 101 remote churning reader group as a free discussion platform. If you join the group now, you can receive a copy of the 2025 Remote Churning Guide (abridged version). After joining the group, please claim it from the group announcement yourself. The full version requires joining the 美卡 101 Knowledge Planet.

If you want to join the group, you can contact the 美卡 101 assistant.

Conclusion

This site mainly shares credit card knowledge and is not a service that applies for cards on your behalf. We hope everyone, especially remote churners, will make good use of this site’s resources and the services we provide, and go further and further on the path of remote churning!