Does Credit One Bank require a travel notification for my credit card?

You don’t need to let your credit card company know you’re traveling, but it’s always a good idea. To protect you from fraud, credit card issuers look for charges that seem to be out of the ordinary, or “suspicious activity”. So, if they suddenly start seeing charges pop up on your card in a different state or country, they may decline the charge, assuming it’s fraudulent. In order to keep your credit card from being declined while you’re traveling abroad, you should submit a travel notice to your issuer.… read full answer

Issuers like Capital One and Barclaycard have stopped recommending travel notices, thanks to the increased security of EMV chip cards. They still offer the ability to set a travel notification, but state that it’s not necessary. American Express has actually stopped letting cardholders set travel notices altogether, saying their confidence in their fraud protection makes it unnecessary.

Submitting a travel notice to your credit card company can be done quickly and simply. Most credit card issuers let you submit a travel notice online or through their app. If you’re not sure how to submit a travel notice, you can always call the number on the back of your card and submit a travel notice over the phone. When you submit a travel notice, you should tell your issuer where exactly you’ll be traveling and the dates of your trips. If you’re going to multiple destinations, be sure to make that clear.

The Credit One foreign transaction fee is 3% or $1, whichever is greater, for all credit cards.

A foreign transaction fee is a surcharge that some credit cards add to transactions processed outside of the United States. The fee applies whether it’s a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.… read full answer

Credit One Foreign Transaction Fees

• Credit One Bank® Platinum Visa® for Rebuilding Credit: 3% or $1, whichever is greater
• Credit One Bank® Platinum Visa®: 3% or $1, whichever is greater
• Credit One Bank® Platinum X5 Visa®: 3% (min $1)
• Credit One Bank American Express® Card: 3% (min $1)
• Credit One Bank Platinum Rewards Visa with No Annual Fee: 3% (min $1)

Although Credit One does not offer any credit cards with no foreign transaction fees, there are plenty of other issuers that do offer them. For instance, Capital One, USBC and PenFed do not charge foreign transaction fees on any of their credit cards.

There’s no need to set a Capital One travel notification, also known as a travel alert. Capital One discontinued its travel notifications in 2016.

A travel notice tells a bank that the cardholder will be away from home during a given time period. That way, charges made from places you don’t normally visit won’t trigger the fraud prevention system and cause the bank to freeze the card. Like many issuers, Capital One uses … read full answerEMV chip-and-signature technology. But unlike most of them, Capital One believes chip technology has made travel notices obsolete.

Each time you make a payment with a chip card, the chip creates a unique code for the transaction that can only be used one time. That prevents account information from being stolen at the point of sale. And that’s why there’s no longer the need for a Capital One travel notice.

But chip-and-signature technology doesn’t help you if someone steals your physical card. And it’s always good to be prepared. So it’s important to know the numbers to call if you run into any problems using your card while traveling. For instance, if your card gets stolen, you can call to have it frozen and get an emergency replacement card overnighted to you. You can also get a cash advance by wire transfer in that situation.

Here’s what you need instead of a Capital One travel notification:

• Domestic customer service number: 1-877-383-4802
• International customer service number: 1-800-955-7070 (collect call)
• Card number or Social Security number: Enter your card number when you call to speak to a representative. If your card is lost or stolen, enter your Social Security number instead.

You don’t need to set a Capital One travel notification to use your card abroad with peace of mind. And that’s not the only way Capital One makes travel easy. You also avoid foreign transaction fees because none of Capital One’s cards charge them.