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Update: Some offers mentioned below are no longer available. View the current offers here: Chase Sapphire Reserve
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 Mastercard,making 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?
Know before you go.
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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.
- 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 "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises 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