Using the Charles Schwab Check Card for Train Kiosks in Europe
I have called the Charles Schwab checking account debit card the one card everyone should get, including myself. I finally listened to my own advice a few months back and snatched one up. My goal was to double dip the account and use it to snag the Charles Schwab Amex Platinum at the same time. We all know how poorly that worked out, don’t we?
My main reason for getting the Charles Schwab check card was because of the amazing ATM policy. Every ATM fee is waived including foreign transaction withdraws and fees in the $20-$30 range.
But on my trip to Europe it came in handy for another reason.
Charles Schwab Check Card For Train Kiosks
Purchasing train tickets in Europe can be tricky sometimes. Their system does not like many American credit cards. It is because of Europe’s chip and pin system. Americans still have to sign for credit card purchases in Europe while most local credit cards do not require that. Because of this system the train kiosks will deny many American credit cards.
We ran into this issue trying to buy tickets while in Brussels. I tried my Chase World of Hyatt card and my Chase Ink Plus card. Both were rejected as was my friend’s Chase Sapphire Reserve card. The kiosks do not take bills and we did not have enough coins to pay in cash. Our only other option was to walk to the other end of the train station to buy tickets from the ticket desk where we could sign for the purchase. This is the exact reason many people get the Barclay Arrival Plus card since they work well with the train kiosks.
We were going to head down to the ticket counter when my buddy decided to try his Charles Schwab check card. It worked without an issue! We missed out on the points for the purchase but there were no foreign transaction fees. We also avoided the long walk to the ticket counter and the ensuing line. That is a fair trade off in my book.
This is just another amazing perk of the Charles Schwab check card. I will always have this in my wallet going forward. The amazing ATM policy plus it being a great backup card for purchases make it a keeper for me. The $100 bonus that came with signing up for the account didn’t hurt either (it does come with a hard pull). Hopefully it will lead to an eventual approval for the Charles Schwab Amex Platinum card too.