I have no credit history and lived outside of US

I have no credit history, have been living outside of the US for 27 years. Is it possible to get a credit card to establish credit in the US?
Expert answer by Alex Gerard,
9 years experience in banking consulting

Yes, there are several credit card offers that can help you to start building your credit with no previous credit history.

I would recommend to apply for Capital One credit cards - Platinum or Quicksilver One

 

read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR no intro offer no BT fee
  • no annual fee
  • for average or no credit
  • high 24.99% APR
read review

These cards are marketed for people with no previous credit history, so you have good chances of approval.

Another option - to try Barclaycard Rewards card. This card is available for those with fair credit history, but usually that works for no credit history as well

 

read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases

2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

read review

Read more about cards for no credit in our article

 

 

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