Hello All,
Been doing some due diligence over the last few months in preparation for my movie to Tokyo next month. Had a few questions regarding credit cards that would be best for my time over here.
For a little context, enrolling in a 2 year language school program that I am paying for out of savings from working a few years in finance. Not planning to work any sort of full time/part time jobs during this time so lack of W2 income will prevent me from opening any credit cards in Japan afaik.
Currently using an Amex Gold in the US where I have gotten a good amount of value out of it. Typical highest monthly spends were groceries and food which I get 4X points on. That being said, I know I will be missing out on the Grubhub credit offer with my move and will be losing a good amount of the guaranteed value of the card relative to it's associated membership fee ($250 renewal is due in July).
First question for anyone who is using American AMEX Gold in Japan, does the 4X multiplier apply towards purchases in Japanese supermarkets?
I noticed I was getting 4X on coffee shop and on some restaurant purchases during my trips but haven't been to any Japanese supermarkets/grocery stores. I know DonQ and Konbini's are at default 1X.
Current monthly expenses will be in the range of 1200-1500 USD a month with the highest being Rent at around $650 at the current rate. Rent seems to be payable by card so would take advantage of free points on that side as long as there aren't any major extra fees attached.
Have also been considering swapping into a Chase Sapphire Card using a sign up bonus from a friend or the Capital One Venture X. Would be able to hit the bonus spending by paying my first tuition payment with the card albeit at a slightly higher price ($65) than a typical bank transfer. My main use for these points is to book flights typically between Japan and New York but also potentially other locations within Asia for some trips I may want to take to other countries.
All in all, wanted to ask what the best U.S. based credit cards you guys might be using in Japan at the moment. Will still have a U.S. permanent address while I'm gone for the 2 year stint, but also don't want to leave free money on the table by not using credit cards while I'm in Japan. Currently have a Schwab Investor Checking for any cash withdrawals and such so I'm covered on the debit card front as I prefer to keep my money in USD at the moment.
Apologies if this has been asked before, was not able to find anything related to my searches. If there is anything I am missing/not considering, feel free to let me know. Happy to provide any further info on request as well.
Thanks!
by dgam02