Can you get a US credit card while living abroad?

Getting a US Credit Card While Living Abroad: A Guide for Expats

As an expat living outside the United States, obtaining a US credit card can provide numerous benefits, such as access to international transactions, building credit history, and managing personal finances. However, securing a US credit card while residing abroad can be challenging due to various factors, including address verification and income requirements. This article explores the steps you can take to increase your chances of successfully obtaining a US credit card as an expat.

Maintaining a US Address and Bank Account

One of the key requirements for obtaining a US credit card is maintaining a valid US address. This address will serve as your legal residence and be used for correspondence, bill payments, and address verification purposes. If you no longer have an address in the United States, consider using a trusted friend or family member’s address. Additionally, having a US bank account linked to your credit card can streamline the application and payment process.

Masking Your Location with a VPN

Another challenge faced by expats is that some US credit card issuers may restrict access to their online application platforms based on the applicant’s location. To circumvent this issue, consider using a Virtual Private Network (VPN). A VPN allows you to connect to a secure server in the United States, effectively masking your actual location and providing access to a wider range of credit card offers.

Meeting Income Requirements

US credit card issuers typically require applicants to have a sufficient income to support the credit limit they are seeking. For expats, this can be particularly challenging as they may not have a regular income source in the United States. In such cases, provide evidence of your income from other sources, such as foreign employment, investments, or rental properties. Additionally, consider seeking a joint credit card with a co-applicant who has a strong financial standing in the United States.

Other Considerations

• Eligibility for Expat Credit Cards: Some US credit card issuers offer specific credit cards tailored to the needs of expats. These cards may have lower income requirements or provide additional features that cater to the unique challenges faced by individuals living abroad.
• International Transaction Fees: Be aware of the potential international transaction fees associated with using a US credit card abroad. Some cards may charge a percentage fee on every purchase made outside the United States.
• Foreign Currency Exchange Rates: When using a US credit card in a foreign country, the exchange rate will be determined by the credit card issuer. Monitor the exchange rates and compare the charges with your bank account statement to ensure you are not incurring excessive fees.

By following these steps and considering the additional factors outlined above, you can increase your chances of obtaining a US credit card as an expat. Remember, it may require some persistence and effort, but it is possible to secure a credit card that meets your financial needs and supports your lifestyle abroad.