![]() It’s almost impossible to get a credit card without a Social Security number (SSN). If you're 18 years, you can only get a credit card if you have a verifiable source of income or your parents’ permission. Most card issuers will ask about your estimated monthly income to verify your ability to repay and to determine the credit card limit.īe at least 21 years old. To get a credit card as an expat in the US, you need to: This information helps the card issuer to determine your disposable income, and as a result, your credit limit. During the application process, you’ll need to provide your: The first thing you should do before applying for a credit card is to find the best one for your needs. ![]() However, they can help you build your credit history, which will allow you to switch to a different card later on. It’s worth mentioning that credit cards with lenient application requirements usually have higher interest rates and fees. But the good news is some card issuers -like American Express-allow expats from selected countries to use their international credit history. It can be challenging to get a credit card as an expat because you have no credit history in the US. Many credit card applications are straightforward, and typically take approximately 3-4 weeks to get approved. However, you do need to meet the minimum financial requirements, which will differ based on which card you apply for. You don't have to be a US citizen to get a credit card. What to know about getting a credit card in the US This post covers the best credit cards for expats in the US, and how to go about getting one. There’s no one-size-fits-all credit card, so it’s important to choose wisely. Most companies give credit cards to permanent US residents or people with a Social Security number (SSN), but there are a few that issue credit cards to non-citizens. Getting a new credit card may be necessary when you move to the US, but it can be trickier to get a credit card when you’re new to the country. Some credit cards have reward programs and reward users for every dollar they spend. It offers a line of credit you can use to make purchases and balance transfers and cash advances. A credit card can help you to easily track expenses and manage your monthly cash flow. Some issuers offer expedited card replacements, a 24/7 benefits administrator who can supply medical or legal referrals, assistance with prescriptions, and other emergency services.The benefits of having your own credit card are clear. Know how your card issuer can help in an emergency.Perks might include discounted or free entry to airport lounges, priority boarding, free checked luggage, and free in-flight Wi-Fi. You might be entitled to benefits that can help you deal with travel mishaps, such as lost bags and trip delays. Research your card's travel benefits and perks.Pack a widely used credit card, such as a Visa or a Mastercard, a debit card for cash, and an additional credit card in case your primary one is unusable. Black out details such as your name, card expiration date and CVV number. ![]() Having copies of the front and the back of your credit cards gives you easy access to their customer service numbers if they are lost or stolen. Bring photocopies of your credit cards.These chip and PIN cards are common in Europe, and using one there can reduce hassles at checkout. If not, ask your issuer to mail you a chip-enabled card at least two weeks before your trip. You risk paying a much higher conversion rate on top of additional fees. But before you travel, install a currency conversion app on your phone as a quick reference. Credit card networks typically provide exchange rates that are close to the fair market rate. Using a credit card is processed as a cash advance and that means you'll pay high interest on the amount you borrow. ![]() Otherwise, they might freeze your account for fraud when they see purchases made in a different location. Let your issuers know about travel plans.
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