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When using your credit card abroad—or even while making purchases online with international vendors—charges can add up more quickly than usual. This is because of your credit card’s foreign transaction fee. Foreign transaction fees are charged when you make non-US-dollar purchases, and can range from 1%–3% of the transaction amount.
However, some credit cards don’t have foreign transaction fees at all. Whether or not you’re charged this fee, and how much it costs, will depend on your credit card and credit card issuer.
How much is Apple’s foreign transaction fee?
Apple doesn’t charge any foreign transaction fees on its credit card, the Apple Card.
Additionally, the Apple Card operates on the Mastercard network, which is widely used outside of the US. This makes the Apple Card a good choice of credit cards for traveling abroad or making purchases with international vendors online.
Do I need to notify Apple before using my credit card abroad?
No, you do not need to notify Apple before you use your Apple Card abroad. Apple will continue to monitor your account and alert you immediately if any suspicious activity is detected.
Tips for using a Apple credit card abroad
When using a credit card internationally, it’s important to understand the costs and risks involved. Here are some tips to keep in mind before you swipe your Apple credit card abroad:
- Get a PIN: You probably don’t use your credit card PIN number often; in fact, you may not even know you have one. Before taking your Apple credit card overseas, make sure you find out whether your card has a PIN and what it is, or how you can set a new one. Many foreign transactions (especially at ticketing kiosks around Europe) require you to enter a PIN when you use your credit card. You may be able to find your credit card PIN in your original offer letter, or call the number on the back of the card to request one.
- Pay in the local currency: When you’re swiping your Apple credit card at checkout in another country, the card reader may give you the option to pay in either the local currency or convert to US dollars. If you convert to US dollars, you’ll be triggering a “dynamic currency conversion” which often comes at an added cost. So while it’s tempting to see the price in your native currency, opt to pay in the local currency instead.
- Embrace the perks: Many credit cards offer travel perks, like lost baggage protections or hotel upgrade services. Check out the terms of your Apple Card and understand the perks before your trip, so you can take advantage of any benefits that make your travels smoother.
