What To Know
- When using your Southwest credit card in Europe, your transactions will be converted to euros at the prevailing exchange rate.
- This feature allows you to make small purchases by simply tapping your credit card on a contactless reader.
- What if I have a problem using my Southwest credit card in Europe.
Embarking on a European adventure? Don’t leave home without understanding the ins and outs of using your Southwest credit card abroad. In this comprehensive guide, we’ll delve into the intricacies of international transactions, providing you with all the information you need to make informed decisions.
Foreign Transaction Fees
The primary consideration when using your Southwest credit card in Europe is foreign transaction fees (FTFs). These fees, typically ranging from 1% to 3%, are charged by your credit card issuer for processing transactions in currencies other than your home currency.
Southwest’s Foreign Transaction Fee Policy
Southwest Airlines offers a range of credit cards, each with its own FTF policy. Here’s a breakdown:
- Southwest Rapid Rewards® Credit Card: 3% FTF
- Southwest Rapid Rewards® Premier Credit Card: 0% FTF
- Southwest Rapid Rewards® Priority Credit Card: 0% FTF
How to Avoid Foreign Transaction Fees
To avoid FTFs, consider the following options:
- Use a credit card with no FTFs: Southwest’s Premier and Priority cards offer this benefit.
- Use a debit card: Debit cards typically do not charge FTFs.
- Notify your credit card issuer: Some issuers may waive FTFs for a limited time or on a case-by-case basis.
- Pay in the local currency: When possible, opt to pay in euros to avoid currency conversion fees.
Currency Conversion Rates
When using your Southwest credit card in Europe, your transactions will be converted to euros at the prevailing exchange rate. This rate is set by Visa or Mastercard and may vary slightly from the rate offered by your bank or other currency exchange services.
Chip and PIN Technology
Europe widely uses chip and PIN technology for credit card transactions. This technology provides enhanced security by requiring you to enter your PIN (Personal Identification Number) instead of signing a receipt. Make sure your Southwest credit card is chip-enabled and that you have activated your PIN before traveling.
Contactless Payments
Contactless payments, also known as tap-to-pay, are becoming increasingly popular in Europe. This feature allows you to make small purchases by simply tapping your credit card on a contactless reader. Southwest credit cards support contactless payments, making them a convenient option for everyday transactions.
Emergency Assistance
In case of an emergency or lost/stolen card, contact Southwest‘s customer service line immediately at 1-800-435-9792. They will assist you with reporting the incident and providing replacement cards if necessary.
FAQs
Q: Can I use my Southwest credit card to withdraw cash in Europe?
A: Yes, but cash advances are subject to a high fee, typically around 3%. It’s generally not recommended to withdraw cash using a credit card.
Q: Will I earn Southwest Rapid Rewards points on purchases made in Europe?
A: Yes, you will earn points on all eligible purchases made with your Southwest credit card, regardless of the transaction currency.
Q: What if I have a problem using my Southwest credit card in Europe?
A: Contact Southwest‘s customer service line at 1-800-435-9792 for assistance. They can help troubleshoot any issues and provide support.
