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ApplyRight field notes
Built for companies with US operations, or a US-based owner with an SSN. Pure non-residents with no US footprint face a higher bar. Unlimited virtual cards are the draw. Worth it once you have scale and a US nexus.
Eligibility at a glance
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- Free
- Virtual cards
- Unlimited
- Account manager
- None
Best for
- US-operating startups and venture-backed companies
- SaaS / tech with a real US presence
Where it falls short
- Needs a US operating address OR a US-based owner with an SSN
- An onboarding call is required before the account opens
- Not available to sole proprietors
- Pure non-residents with no US nexus may not qualify
Restricted countries
CubaIranNorth KoreaRussiaSouth SudanSudanSyriaVenezuela
Restricted industries
CannabisAdult contentGamblingFirearmsMoney services (MSB)Crypto exchangeShell companies
Documents to prepare
- A US-incorporated business (LLC / Corp — no sole proprietorships)
- An EIN letter
- A US operating address, OR one US-based owner with an SSN
- Articles of Incorporation, company bylaws, and business licenses
- Beneficial-owner and personal information
- An onboarding call scheduled before the account opens