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If you are a frequent traveler, you know how important it is to have the right credit card in your wallet. When looking for a credit card for international travel, you may want to consider the Apple Credit Card. Launched in 2019, the Apple Credit Card is a unique credit card that offers some great benefits for frequent travelers.
What is the Apple Credit Card?
The Apple Credit Card is a credit card that is designed to work seamlessly with Apple Pay. It is issued by Goldman Sachs Bank, and it is exclusively available to iPhone users. The card is made of titanium and has no visible numbers, not even a CVV code. This enhances security and makes it harder for fraudsters to steal your card information.
Benefits of the Apple Credit Card for International Travelers
The Apple Credit Card offers several benefits for international travelers:
- No foreign transaction fees: This means you won’t be charged any fees for making purchases in foreign currency.
- Low interest rates: The interest rates on the Apple Credit Card are lower than the average interest rates on credit cards.
- Real-time fraud protection: You will receive an alert on your iPhone every time your card is used, and you can freeze it instantly if you suspect fraudulent activity.
- Travel and purchase protections: The card offers travel accident insurance, car rental loss and damage insurance, purchase protection, and extended warranty protection.
- Easy budgeting: The Apple Credit Card integrates with the Wallet app on your iPhone, allowing you to track your spending, set up budgets, and receive weekly and monthly spending summaries.
Using the Apple Credit Card for International Travel
Before you travel internationally with your Apple Credit Card, there are a few things you need to do:
- Notify Goldman Sachs Bank of your travel plans: This will ensure that your card is not flagged for fraud when you make purchases in foreign countries.
- Check if the merchant accepts Apple Pay: The Apple Credit Card is designed to work seamlessly with Apple Pay. You can check if the merchant accepts Apple Pay by looking for the Apple Pay logo or by asking the merchant.
- Carefully review your statements: If you notice any fraudulent activity on your card, you can freeze it instantly using the Wallet app on your iPhone.
Conclusion
Overall, the Apple Credit Card is a great credit card for international travel. It offers several benefits, including no foreign transaction fees, low interest rates, real-time fraud protection, travel and purchase protections, and easy budgeting. Before you travel internationally with your Apple Credit Card, make sure to notify Goldman Sachs Bank of your travel plans and check if the merchant accepts Apple Pay.
Frequently Asked Questions
1. Can I use my Apple Credit Card outside of the United States?
Yes, you can use your Apple Credit Card outside of the United States, but you need to notify Goldman Sachs Bank of your travel plans to avoid having your card flagged for fraud.
2. Does the Apple Credit Card have an annual fee?
No, the Apple Credit Card does not have an annual fee.
3. What is the interest rate on the Apple Credit Card?
The interest rate on the Apple Credit Card ranges from 10.99% to 21.99%, depending on your creditworthiness.
4. Can I earn rewards with the Apple Credit Card?
Yes, you can earn cash back with the Apple Credit Card. You can earn 3% cash back on purchases made with Apple, 2% cash back on purchases made with Apple Pay, and 1% cash back on purchases made with the physical card.
5. How do I apply for the Apple Credit Card?
You can apply for the Apple Credit Card through the Wallet app on your iPhone.