You don’t need to notify us when you travel.
With advanced security monitoring and the added protection of your chip or contactless card, your Capital One credit card is automatically ready to use anywhere in the world.
If your card is lost or stolen while traveling, you won’t be responsible for any unauthorized charges. Plus, Capital one doesn't charge foreign transaction fees on any credit cards.
Prepare for your travel in 3 quick steps:
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Download the Capital One mobile app
The Capital One mobile app is the easiest way to manage your account on the go, view transactions in real time, or lock your card if it gets misplaced. -
Check your contact info and alert preferences
Make sure your phone number and email are up to date in your account. This ensures you can receive instant notifications if we detect any suspicious activity. You can also customize your alert preferences right in your app settings. -
Turn on mobile app verification
In the app, go to Profile > Sign in & security > Mobile app verification and toggle it on. If you can't receive SMS text messages while traveling, this allows you to verify your identity over Wi-Fi instead.
Learn more about how to manage your money abroad and how we keep your account safe.
What if I need to contact Capital One while abroad?
If you have an international phone plan, you can call us anywhere, anytime at 1-804-934-2001. No international phone plan? Make a collect call and we’ll accept the charges.
You can also turn on Wi-Fi calling in your phone settings before or during your trip. While connected to Wi-Fi, you can call U.S. numbers (including Capital One) for free and receive text verification codes, even in airplane mode (note: Wi-Fi calling may not be supported in Australia, India, Cuba, Singapore, or China).
Will I need a PIN to make purchases or to withdraw cash outside the U.S.?
Capital One credit cards don't require a PIN for purchases abroad. If a checkout terminal prompts you to enter a PIN, speak to the merchant directly and ask to provide a signature instead. If the merchant isn’t able to help in person, you can also use a digital wallet like Apple Pay® or Google Pay™ to complete your transaction.
If you need to withdraw cash at an ATM with your credit card, you can request a Cash Advance PIN. To do this, sign into your account and go to your credit card > Control your card > Get a cash advance PIN.
Will transactions made in foreign currency be converted?
Yes. If you make a transaction in a foreign currency, we automatically convert it into a U.S. dollar amount. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date that appears on your statement. We do not adjust the currency exchange rate or charge any currency conversion fees.
What should I do if a purchase is declined while traveling?
If a purchase is declined while traveling, check your phone for a fraud alert notification or text message. If you have any issues, we’re also available 24/7 at 1-804-934-2001.