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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Video Sunday Reader Question: Points Strategies For People Living Abroad
Since launching TPG in 2010, founder Brian Kelly has expanded the team to include a distinguished editorial staff and an extensive network of freelancer contacts from around the globe. Today, TPG reaches 11 million unique monthly visitors and more than 3 million followers across social media platforms and has offices in New York City, Charlotte and the U.K.
November 11, 2012 • 7 min read
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Quick summary
Expats can still maximize points and miles strategies even when living outside the US.
Opportunities exist to buy or share airline miles during special promotions, sometimes at favorable rates for premium travel.
Online shopping portals and global hotel or airline promotions can offer additional ways to earn points, regardless of location.
Engaging with frequent flyer communities can help uncover region-specific deals and advice.
What to consider
Many lucrative credit card offers require a US social security number and address, limiting access for some expats.
Shipping costs and taxes from US-based shopping portals may offset the value of earned points for international residents.
Promotions and bonus opportunities vary by region, so checking eligibility and terms is essential.
What you'll miss from the article
Detailed examples of how to leverage mileage promotions, shopping portals and regional loyalty programs as an expat.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
TPG reader Michael asks a question a lot of readers living abroad have:
“I currently reside outside the US (I live in China), and can’t seem to take advantage of most of the ideas and tricks you always write about since they work best if you live in the US (bonus categories, groceries, Office Depot, fuel, etc.).
I have a Chase Sapphire Preferred card, so I manage to get some points using it, but besides that I was wondering if you have any tips and suggestions for people who, like me, live outside of the US.”
Even if you don't live in the US, there are still plenty of ways to maximize your points and miles strategy, and in this video, I talk to my friend Lori, who lives in Madrid, about things every expat can do to make sure they're earning the most points possible.
It’s true that credit cards are different in each region of the world, so a lot of the juicy deals are unattainable unless you have a US social security number and an address in the US (or someone else’s address that you can use. The good news is, you managed to get one of the best cards out there, so I’m going to assume you have a US social security number and can get more credit cards.
As I always say, credit cards and the hefty sign-up bonuses many of them come with are the single best way to bank miles and points to your various accounts, so if you can apply for US credit cards, you should continue to leverage your credit to do so. However, there are still plenty of other ways to keep earning points even if you’re living outside the US.
For instance, you can still get in on American Express’s Bluebird card, which I’ve been writing about a lot lately, and the lucrative bonus points you can earn by buying Vanilla Reloads at Office Depot. While there aren’t Office Depots in China, if you have a friend in the US that you trust to buy Vanilla Reloads for you and load them onto your Bluebird card, there’s no reason you can’t take advantage of the powerful spending tool the Bluebird card can be. And even if you’re not earning the 5x potential bonus by buying Vanilla Reloads at office supply stores, you can still get them at other outlets including CVS, where you can use a points-earning card to purchase them and then use the money to pay for expenses that you couldn’t normally use a credit card for.
That said, let’s put getting new credit cards aside for a moment and talk about other ways you can get in on good deals that will keep earning you points. After all, there are a lot of promotions that appear to be US based, but which you can take advantage of from anywhere in the world and leverage them for your specific needs.
Buying/Sharing Miles Promotions: Promotions where you can earn bonuses on bought or shared airline miles can be great ways to rack up extra miles for premium awards on the cheap. For example, US Airways recently offered an extremely lucrative 100% bonus on shared miles that basically equated to purchasing miles at the price of 1.1 cents each – a steal. The airline is also currently offering a 100% buy miles bonus that is like purchasing airline miles at the rate of 1.8 cents each. Or, like I did earlier this year, you could take advantage of US Airways’ Miles Multiplier, where I bought 49,712 for just $599, a value of 1.2 cents per mile.
So let’s say you wanted to take advantage of the current 100% buy miles promo, you could purchase 45,000 miles for $1,690 and get a total of 90,000 miles. That’s enough for a roundtrip business class fare from China to the US – a ticket that normally costs $5,000-6,000!
Check out award charts yourself to find great redemption values from your home region.
While I normally give US-based advice (like above), if you study the Star Alliance partner chart, I’m sure you can find tons of great award values that make buying or sharing bonus miles worth it – have a look at the Star Alliance chart for yourself and find some opportunities based on where you live.
Just to give two quick examples, you could get a low-level business class award from North Asia (which includes China, where you’re based) to South or Central Asia including the Maldives, Thailand and Singapore, for 60,000 miles roundtrip (that would cost about $1,120 with the current promo), or venture farther afield to the Europe roundtrip in business class for 90,000 miles. If you do a little homework, you should be able to find some all-star redemptions.
I don’t write about China-based airlines that much, but I bet if you went on Flyertalk, you’d be able to connect with plenty of other travelers with tons of useful advice to give you on your program of choice, whether it’s Air China or another carrier.
Shopping Portals: I write a lot about online shopping portals because they happen to be a great way to accrue bonus miles and points buying the things you’d purchase anyway. Never go directly to a retailer’s website without checking your points or miles program of choice’s online shopping portal and seeing what spending bonuses they’re offering at the merchants you’re interested in. You don’t have to be based in the US to take advantage of these bonuses – which can be worth 10 points per dollar or more – you just have to be able to pay for your purchases! That said, not every retailer will ship abroad, and you might end up paying shipping and taxes that far outweigh the value of any points you’d earn, but it’s always an option.
Online Promos: Many airline and hotel promos – like Starwood’s current “Better by the Night” or Hilton’s 1,000 Reasons promotions – have nothing to do with credit cards, and many don’t have any US citizenship or residency requirements, so there’s nothing stopping you from racking up extra points on hotel stays. In fact, there have actually been a few Asia-based promotions like a half-price Starwood sale with 18 participating properties like those in Bali and Singapore that I wasn’t able to take advantage of but you might be able to based on your proximity, so it always pays off to pay attention to the promotions and specials out there.
Even though much of the points and miles game is focused on the US, that doesn’t mean you can’t participate fully if you live elsewhere. There are still plenty of ways to keep earning those miles and points without depending on credit card bonuses or on US-based promotions. For more in-depth discussion of foreign frequent flyer programs, I'd recommend FlyerTalk, which has separate forums for most international frequent flyer programs.
To check out Lori's fashion blog visit lifeandstylemadrid.com or follow her on twitter @stylemadrid!
[card card-name='Ink Plus® Business Credit Card' card-id='22129636' type='javascript' bullet-id='1']
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
