But wait, the same card has a 100,000 point bonus in another country! Anyone who reads travel blogs knows that more often than not, there are better credit card bonus opportunities to be had elsewhere. A reader got in touch to ask if he could apply for one of these better bonuses, which I thought was an excellent question. Here’s the long and short of it…

In General, Your Credit Cards Are Meant To Be Issued Where You Reside… But…

For most people who’ve only ever lived in one country the answer is simple: no. You cannot get a credit card from another country, even if you can get the card mailed to someone in that country. IF however you’ve lived abroad as a student, worker or permanent resident, things change…

If You Have Established Credit In Another Country, It’s Not Out Of The Question To Get A Card…

Let’s take the US and UK. Say you’re a UK citizen who went to America for college, got a social, took out a bank account and maybe even got a secured credit card, or a lease. Chances are you have enough established credit to be a contender for a credit card. You’d need an address and local phone number to receive the card (and then have it shipped to you), but many people do it.

But Only Get A Foreign Card If It Has No Foreign Transaction Fees…

Ok great, you got a card from a country where you established some credit at some point, got it sent to you and now you’re ready to swipe away. The key here is that you successfully apply for a card that does not charge foreign transaction fees. If you do, it really doesn’t matter where you live. If you don’t, you’ll be paying out the nose for everything you buy…

For the US It All Starts With A Social Security Number, If You Have One The Best Advice Is To Build Credit…

If you did happen to grab a social security number you’re through a major step. The next major step is establishing credit, which you can only do by borrowing. The easiest way to get started is to open a secured credit card, where you put down collateral for your “credit line”, and then you build history on that card. After a year of keeping balances down and using the card you’d then likely be eligible for a competitive rewards card…