Best Credit Cards for Expats in 2024

As a global citizen, managing your finances efficiently while living abroad is important. Selecting the right credit card can a big difference for your savings.

However, navigating the plethora of credit card options out there can be overwhelming. That's why we're excited to share this list with you.

We've done the legwork, so you don't have to. Our team has handpicked credit cards that align with your needs as an expat, remote business owner, or digital nomad. Whether you're looking for travel rewards, cashback, or exclusive perks, we'll have a recommendation for you.

Discover the cards that'll help enhance your global personal finance experience.

📢 Disclaimer: Content may contain affiliate links or sponsored content — I will never work with a brand that I don't personally use or believe in.

Credit Cards
Featured

The Platinum Card® from American Express

Best for premium lounges + no foreign transaction fees
Price: 
$695 annual fee (rates and fees below)
Countries:
United States

Review

The AMEX Platinum is a top-tier credit card that comes with a fantastic welcome bonus, luxurious perks, and a range of additional value-add services. It's my go-to card for no foreign transaction fees, airport lounges (Centurion FTW), and concierge service.

You'll getUber credits, discounts on airfare, bonus points, cashback, and a whole lot more. One standout feature of this card is its extensive list of annual statement credits, which make your travel experience more comfortable and help you save money on your everyday purchases.

↳ Read full review
Credit Cards
Featured

Chase Sapphire Reserve®

Best for frequent traveling + no foreign transaction fees
Price: 
$550 annual fee
Countries:
United States

Review

The Chase Sapphire Reserve® is a premium travel rewards card for frequent flyers and travelers who want to maximize their spending. I've used it for its no foreign transaction fees and rich miles rewards program. It's known to offer a competitive rewards program vs its closest competitor, the American Express Platinum Card®, for a lower fee. In addition, the Chase Sapphire Reserve® comes with a number of premium perks, such as travel credits, airport lounge access, and primary rental car insurance.

↳ Read full review

Capital One Quicksilver

Best for cash reward + no annual fee
Price: 
Free
Countries:
United States

Review

The Capital One Quicksilver Cash Rewards Credit Card is a good all-around card that offers a variety of benefits, including a welcome bonus, a flat rewards rate, no annual fee, and a good introductory APR offer.

While the individual benefits may not be the best in their class, they are still valuable and make the card a worthwhile option for many people.

I personally bring my Quicksilver everywhere in case as a back-up card.

↳ Read full review

Wise Debit Card

Best for international spending
Price: 
US$9 to order a card
Countries:
Singapore
United States
Global

Review

The Wise card is a versatile debit card that can be used to spend and withdraw money in over 160 countries around the world. It is accepted at any merchant or ATM that accepts Visa or Mastercard.

The Wise card offers the mid-market exchange rate on all foreign currency transactions, with low fees of just 0.43%. This means that you can save money on your travel expenses by using the Wise card instead of a traditional bank card.

How to apply:

  • Create a Wise account. You can do this on the Wise website or app
  • Verify your identity. You will need to upload a copy of your ID and proof of address
  • Add funds to your account. You can do this by bank transfer or debit card
  • Order your card. You can order your card for a one-time fee of US$9
  • No minimum income required
↳ Read full review

Instarem Amaze Card & Citi Rewards

Best for miles + overseas purchases + no foreign transaction fees
Price: 
Free
Countries:
Singapore

Review

Instarem Amaze is a debit card that allows you to make overseas payments without foreign exchange (FX) fees. It also offers its own rewards programme called InstaPoints, which can be redeemed for cashback or travel.

The Citi Rewards Card is a cashback card that earns 4 miles per dollar (4 mpd) on the first S$1,000 per statement month spent on offline retail shopping and online transactions excluding travel.

When you link the Citi Rewards Card to your Amaze card, all transactions made with the Amaze card will be converted into online transactions, so you can earn the full 4 mpd on all your spending, even on offline transactions.

↳ Read full review

DBS Altitude Card

Best For frequent traveling + no minimum spending
Price: 
S$194.40 annual fee
Countries:
Singapore

Review

The DBS Altitude Visa card is a top-notch travel credit card in Singapore for business travelers who want to earn air miles and enjoy perks without sacrificing quality. Cardholders earn 1.2 miles per SGD 1 spent locally, 2 miles per SGD 1 spent overseas, and 3 miles per SGD 1 spent on online flight, hotel, and shopping bookings.

↳ Read full review
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