Nova Credit no doubt offers a simpler process than Global Transfer and is what we recommend generally. However, there may be specific instances where Global Transfer is preferred. For example, one may have some issues with their Canadian credit profile that make them a more attractive borrower when considering only Amex vs. all issuers partnered with TransUnion. If for some reason you are being declined by Nova Credit, it's always good to have another option available to you through Amex Global Transfer.