{"id":10144,"date":"2024-11-10T07:56:53","date_gmt":"2024-11-10T07:56:53","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/moving-abroad-heres-what-to-do-with-your-credit-cards\/"},"modified":"2024-11-10T07:56:54","modified_gmt":"2024-11-10T07:56:54","slug":"moving-abroad-heres-what-to-do-with-your-credit-cards","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/moving-abroad-heres-what-to-do-with-your-credit-cards\/","title":{"rendered":"Moving abroad? Here\u2019s what to do with your credit cards"},"content":{"rendered":"<p><\/p>\n<div>\n<p>An overseas move \u2014 whether for work, retirement or personal reasons \u2014 requires planning on many fronts. And if you&#8217;re a TPG reader, one of these fronts is more than likely what to do with your credit cards.<\/p>\n<p>As TPG mainly caters to U.S.-based readers, this guide will focus on readers with U.S.-issued credit cards who are moving away from the U.S.<\/p>\n<p>Let&#8217;s discuss how to organize and categorize your existing cards so you can make informed decisions about which cards will move with you, which ones you should store and which ones should be dismissed \u2014 as well as some other card-related aspects to consider before your move.<\/p>\n<p><a id=\"card-inventory\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Card inventory<\/h2>\n<p>The first step before moving is to inventory your current credit cards. Your needs may change when you move, so evaluate the following for each credit card. If you&#8217;re like me, you may want to put together a spreadsheet to do this.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Smiling-Businesswoman-Using-A-Laptop-Computer-In-The-Cafe_-miniseries.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MINISERIES\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>How much value will this card provide going forward?<\/h3>\n<p>When calculating the value provided by a card, consider both the value of the card&#8217;s benefits and the value of the points earned from spending on the card. For example, your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/southwest-cards-current-offers\/\" rel=\"noopener noreferrer\" target=\"_blank\">cobranded Southwest Airlines credit card<\/a> might not be useful if you&#8217;re moving to Europe and don&#8217;t have plans to visit the U.S. frequently, but your <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\">Chase Sapphire Reserve\u00ae<\/a> will continue to be useful, as it earns 3 <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/redeeming-chase-ultimate-rewards-maximum-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">Ultimate Rewards points<\/a> per dollar spent on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/which-purchases-count-as-travel-chase-sapphire-reserve-preferred\/\" rel=\"noopener noreferrer\" target=\"_blank\">travel<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/which-purchases-count-as-dining-chase-sapphire-reserve\/\" rel=\"noopener noreferrer\" target=\"_blank\">dining<\/a> and features many benefits that&#8217;ll likely still be <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-sapphire-reserve-review\/\" rel=\"noopener noreferrer\" target=\"_blank\">useful internationally<\/a>.<\/p>\n<h3>Does this card have a foreign transaction fee?<\/h3>\n<p>You <a href=\"https:\/\/thepointsguy.com\/credit-cards\/no-foreign-transaction-fees\/\" rel=\"noopener noreferrer\" target=\"_blank\">won&#8217;t want to pay foreign transaction fees<\/a> when using a credit card in your new home.<\/p>\n<h3>Does this card have a chip-and-pin option?<\/h3>\n<p>Most U.S.-issued <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener noreferrer\" target=\"_blank\">travel rewards credit cards<\/a> still don&#8217;t have chip and pin, although <a href=\"https:\/\/thepointsguy.com\/credit-cards\/top-chip-and-pin-credit-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">all Barclays and Bank of America cards have pin capability<\/a>. And some other credit cards, including the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\">Chase Sapphire Reserve<\/a>, may work at some self-serve kiosks <a href=\"https:\/\/thepointsguy.com\/2017\/10\/use-csr-tickets-machines\/\" rel=\"noopener noreferrer\" target=\"_blank\">when you enter a random pin<\/a>.<\/p>\n<h3>Who&#8217;s the card issuer?<\/h3>\n<p>Research ahead of time which issuer is most accepted in your new country. <a href=\"https:\/\/thepointsguy.com\/credit-cards\/visa\/\" rel=\"noopener noreferrer\" target=\"_blank\">Visa<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/top-mastercard-credit-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">Mastercard<\/a> are generally the most widely accepted credit cards, so make sure to have at least one of those. However, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/\" rel=\"noopener noreferrer\" target=\"_blank\">American Express<\/a> is working hard to <a href=\"https:\/\/thepointsguy.com\/news\/heres-what-american-express-is-doing-to-get-more-businesses-to-accept-your-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">become more widely accepted<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:59.25%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-26.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">ISABELLE RAPHAEL\/THE POINTS GUY<\/figcaption><\/figure>\n<p><a href=\"https:\/\/thepointsguy.com\/credit-cards\/discover\/\" rel=\"noopener noreferrer\" target=\"_blank\">Discover<\/a> can be useful in mainland China, as <a href=\"https:\/\/www.discovercard.com\/customer-service\/account\/china.html\" rel=\"noopener noreferrer\" target=\"_blank\">Discover&#8217;s website notes<\/a> you can use your card anywhere you see the Discover Network or China Union Pay acceptance mark. That being said, you may have trouble getting merchants to accept the card due to misconceptions that it will not work.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><a id=\"card-management\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Card management<\/h2>\n<p>Next, using the information gained during your credit card inventory, sort your open credit cards into five categories:<\/p>\n<h3>Primary<\/h3>\n<p>These cards will become your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" rel=\"noopener noreferrer\" target=\"_blank\">everyday credit cards<\/a>. They shouldn&#8217;t have foreign transaction fees and should hopefully provide solid benefits and perhaps even a few bonus categories. For me, these are the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\">Chase Sapphire Reserve<\/a> and whatever card I&#8217;m currently <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-to-meet-minimum-spending-requirement\/\" rel=\"noopener noreferrer\" target=\"_blank\">working on hitting a minimum spending requirement<\/a>.<\/p>\n<h3>Specialty<\/h3>\n<p>These are cards you&#8217;ll use in specific situations, including <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airline\/\" rel=\"noopener noreferrer\" target=\"_blank\">airline-<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" rel=\"noopener noreferrer\" target=\"_blank\">hotel-<\/a>specific cards. In most cases, these cards shouldn&#8217;t have foreign transaction fees. For me, these are the Hilton Honors American Express Aspire Card (see <a href=\"https:\/\/thepointsguy.com\/apply\/hilton-honors-american-express-aspire-card-rates-fees\/?tid=post\">rates and fees<\/a>) for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hilton\/\" rel=\"noopener noreferrer\" target=\"_blank\">stays at Hilton properties<\/a>, as well as <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card\u00ae from American Express<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\">rates and fees<\/a>) for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airport-lounge-access\/\" rel=\"noopener noreferrer\" target=\"_blank\">lounge access<\/a> and Amex Fine Hotels + Resorts<a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-amex-fine-hotels-and-resorts\/\" rel=\"noopener noreferrer\" target=\"_blank\"> stays<\/a> (Enrollment is required for select benefits).<\/p>\n<p><em>The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>Sock drawer<\/h3>\n<p>You&#8217;re keeping these cards, but don&#8217;t plan to use them frequently. If your move abroad is temporary, these are cards you want when you move back to the U.S.<\/p>\n<p>Even if your move abroad is long term, these might be cards with no annual fee that you&#8217;re <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\" rel=\"noopener noreferrer\" target=\"_blank\">keeping to maintain or extend your account age<\/a>. These cards can have foreign transaction fees, so you won&#8217;t be using them abroad.<\/p>\n<p>For me, three of these cards are the Chase Freedom (no longer open to new applicants), the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-unlimited%e2%84%a0\/?pid=221211281&amp;tid=post\">Chase Freedom Unlimited\u00ae<\/a> and the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash\u00ae Credit Card<\/a>, all of which have no annual fee but do impose foreign transaction fees.<\/p>\n<p><em>The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/07\/Credit-Card-Wallet_Yuliya-Padina.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">YULIYA PADINA\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Convert and store<\/h3>\n<p>These are probably cards that you don&#8217;t see a need for abroad and come with an annual fee. You may be able to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/when-to-request-credit-card-product-change\/\" rel=\"noopener noreferrer\" target=\"_blank\">convert some of these cards to a no-annual-fee version<\/a>. This will keep your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-improve-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">account history and credit line active<\/a> while saving you the annual fee.<\/p>\n<p>For example, I had the <a href=\"https:\/\/thepointsguy.com\/apply-now\/united-explorer-card\/?pid=22035884&amp;tid=post\">United\u2120 Explorer Card<\/a>, which is great for getting priority boarding and my first checked bag when flying United. But, since I don&#8217;t have much use for the United Explorer Card overseas, I downgraded it to the no-annual-fee United MileagePlus Card (this card is no longer open to new applicants) to keep the credit line open and leave the possibility of upgrading the card in the future.<\/p>\n<p><em>The information for the United MileagePlus Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>Close<\/h3>\n<p>If an unneeded card with an annual fee isn&#8217;t eligible for conversion to a no-annual-fee card, or you&#8217;d rather close the card than convert it, then <a href=\"https:\/\/thepointsguy.com\/credit-cards\/what-to-do-before-closing-credit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">it&#8217;s time to close the card<\/a>. Make sure to use up the points first (if necessary) and take advantage of any <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-best-annual-travel-statement-credits\/\" rel=\"noopener noreferrer\" target=\"_blank\">outstanding travel credits<\/a>.<\/p>\n<p>Note that you won&#8217;t want an issuer to automatically close any of the cards you&#8217;re keeping but not using due to lack of activity. To prevent this, I use these cards every six months or so to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/use-amazon-avoid-card-shutdown\/\" rel=\"noopener noreferrer\" target=\"_blank\">reload $5 to my Amazon balance<\/a>. Even though I don&#8217;t order many physical items from Amazon while abroad, I do sometimes purchase Airbnb gift cards using my Amazon balance.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/person-paying-with-mobile-wallet-at-cafe_JLco-Julia-Amaral.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">JLCO-JULIA AMARAL\/GETTY IMAGES<\/figcaption><\/figure>\n<p>For the cards you&#8217;ll be using overseas, always remember to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/avoid-dynamic-currency-conversion\/\" rel=\"noopener noreferrer\" target=\"_blank\">avoid dynamic currency conversion<\/a> by choosing the local currency when making payments. For cards with foreign transaction fees, you can&#8217;t avoid the foreign transaction fee by opting to be charged in U.S. dollars \u2014 so don&#8217;t use cards with foreign transaction fees while abroad and <a href=\"https:\/\/thepointsguy.com\/news\/dynamic-currency-conversion-mistake-story\/\" rel=\"noopener noreferrer\" target=\"_blank\">always choose to be charged in the local currency<\/a>.<\/p>\n<p><a id=\"keep-a-u-s-presence\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Keep a U.S. presence<\/h2>\n<p>Whether you&#8217;re moving abroad temporarily or permanently, there are some U.S.-based services you&#8217;ll want to establish before your move and maintain long-term for your financial ease.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:68.77394636015326%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-533273447.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">RIVERNORTHPHOTOGRAPHY\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Mailing address<\/h3>\n<p>You&#8217;ll need a U.S. address to successfully apply for most U.S.-issued credit cards. You can use a mail forwarding service that doesn&#8217;t make your address appear to be a P.O. box, or a trusted friend or family&#8217;s mailing address.<\/p>\n<p>If you don&#8217;t use a mail forwarding option, you can still use USPS&#8217;s free informed delivery service to keep track of what mail has been sent to your address.<\/p>\n<p>In either case, you&#8217;ll want to go paperless with your banks and credit card companies to receive statements and communications electronically. And you usually won&#8217;t want to tell banks or credit card companies that you&#8217;ve moved overseas, as some readers have reported that doing so resulted in their accounts being permanently closed.<\/p>\n<h3>Banking account<\/h3>\n<p>U.S. credit cards usually need to be paid in U.S. funds using U.S. bank accounts. If you&#8217;re going to get paid into a foreign banking account, <a href=\"https:\/\/thepointsguy.com\/news\/financial-mistakes-made-while-traveling-the-world-for-a-year\/\" rel=\"noopener noreferrer\" target=\"_blank\">find a cheap way, such as Transferwise<\/a>, to transfer money between your foreign account and U.S. account. Before moving, I opened a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-checking-accounts\/\" rel=\"noopener noreferrer\" target=\"_blank\">Schwab Bank High Yield Investor Checking account<\/a> to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/save-on-overseas-atm-withdrawals\/\" rel=\"noopener noreferrer\" target=\"_blank\">withdraw local currency abroad without incurring any fees<\/a> \u2014 they even refund ATM fees.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Charles-Schwab_Gado-Images.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">GADO IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Telephone<\/h3>\n<p>Although not necessary, you&#8217;ll probably want a U.S. phone number and a free or cheap method for calling U.S. phone numbers to manage your credit card accounts. I use <a href=\"https:\/\/thepointsguy.com\/guide\/google-fi-unlimited-plan\/\" rel=\"noopener noreferrer\" target=\"_blank\">Google Fi<\/a> and Google Hangouts to use my U.S. number to call U.S. numbers for cheap (or even free), depending on how I place the call.<\/p>\n<h3>Apply for new cards<\/h3>\n<p>Even while living abroad, you can apply for new U.S. credit cards if you keep a U.S. mailing address and banking account. You may <a href=\"https:\/\/thepointsguy.com\/guide\/3-ways-to-secure-your-data-while-using-public-wi-fi\/\" rel=\"noopener noreferrer\" target=\"_blank\">want to use a VPN<\/a> to see specific offers and avoid questioning that may arise if you apply while on a foreign I.P. address. If approved, your new card will be shipped to your U.S. mailing address, so you&#8217;ll need to have your mail service, family or friend forward the card to your foreign address. There may be cards that are particularly well suited to your new home abroad, like an <a href=\"https:\/\/thepointsguy.com\/credit-cards\/top-credit-cards-from-international-airlines\/\" rel=\"noopener noreferrer\" target=\"_blank\">airline card for an airline based in your new hometown<\/a>.<\/p>\n<p><a id=\"build-a-foreign-presence\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Build a foreign presence<\/h2>\n<p>Especially if you&#8217;re moving abroad long term, you&#8217;ll want (and possibly need) to set up some services abroad.<\/p>\n<h3>Open a foreign bank account<\/h3>\n<p>In many countries, a local bank account will be required to rent or buy a new home, set up electricity and more. You&#8217;ll probably want to open a bank account at a large international bank since they&#8217;re likely more accustomed to setting up accounts for U.S. citizens \u2014 particularly with the <a href=\"https:\/\/www.irs.gov\/businesses\/corporations\/summary-of-fatca-reporting-for-us-taxpayers\" rel=\"noopener noreferrer\" target=\"_blank\">complicated Foreign Account Tax Compliance Act (FATCA) reporting requirements<\/a> placed on banks for accounts of U.S. citizens.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:74.6506986027944%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/04\/GettyImages-89024795.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">IMAGE SOURCE\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Apply for a foreign credit card<\/h3>\n<p>Once you have a bank account in your new country, you may want to apply for a credit card there, too. In some countries, this will make payment at smaller merchants and self-service kiosks easier, even if the rewards on the card are non-existent.<\/p>\n<p>Depending on what country you move to, you may be able to use <a href=\"https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex&#8217;s Global Card Relationship<\/a> to jump-start your search for a new card using your U.S. account history.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Each situation is different based on where you&#8217;re moving, how long you&#8217;ll be abroad, how much you&#8217;ll be traveling while abroad and the cards you currently have. However, by making a plan to inventory and manage your credit cards, maintaining a U.S. mailing address and bank account and spending occasionally on your stored cards, you should be able to continue to reap the rewards and benefits offered by many U.S. credit cards.<\/p>\n<h3>Related reading<\/h3>\n<p><em>For rates and fees of the Amex Platinum card, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\">here<\/a>.<\/em><br \/><em>For rates and fees of the Hilton Aspire card, click <a href=\"https:\/\/thepointsguy.com\/apply\/hilton-honors-american-express-aspire-card-rates-fees\/?tid=post\">here<\/a>.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>An overseas move \u2014 whether for work, retirement or personal reasons \u2014 requires planning on many fronts. And if you&#8217;re a TPG reader, one of these fronts is more than likely what to do with your credit cards. As TPG mainly caters to U.S.-based readers, this guide will focus on readers with U.S.-issued credit cards 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