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Chip and Pin cards are commonplace in Europe, but most US credit cards aren’t issued with this functionality. This renders many US credit cards useless at overseas unattended purchasing machines, like train ticket machines.

One of the few excellent travel cards that has Chip + PIN technology is the Barclaycard Arrival Plus World Elite Mastercardmaking it an excellent option for a trip to Europe – especially because you can use your points to wipe out these travel purchases. But there’s another option for buying train tickets using a card that’s earned a place in many of our wallets at The Points Guy.

While the Chase Sapphire Reserve Card is officially a Chip + Signature card, it acts like a Chip + PIN card at the ticket machines of Deutsche Bahn (DB), Germany’s state rail operator. Since these machines are used for everything from long-haul train tickets to local S-Bahn metro and even bus tickets, having a credit card that works at these machines is a big benefit. It’ll save you from needing to have enough cash or putting the purchase on a debit card. Even better, you’ll earn 3x Ultimate Rewards points from these travel purchases. And, there are no foreign transaction fees.

So, how does it work? After selecting your ticket option, click Pay and see if there’s a credit card option. Not all purchases will allow you to use a credit card. If the card symbol is there, enter the Chase Sapphire Reserve Card and wait for the payment screen to prompt a PIN. Then just enter any four digits and click confirm.

It seems not to matter which numbers you use. At first, I entered the same PIN for all purchases, not sure if I had created a PIN by doing so. But, after mistyping this PIN once and having the purchase be confirmed, I’ve used random digits ever since.

Featured image by Michael Gottschalk / Getty Images.

Have you found any other cards that act like a Chip + PIN?

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
17.49% - 24.49% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.