2026 UPDATED QUESTIONS DOWNLOAD
Travel Card 101 (Version 3.02) – Master Exam Prep: 250 Q&A +
Rationales | Covers: GTCC Regulations, DTS, JTR, Split
Disbursement & Delinquency Timelines
1. Which public law requires federal employees to use the Government Travel
Charge Card (GTCC) for official travel expenses?
A) Public Law 107-314
B) Public Law 93-579
C) Public Law 105-264
D) Public Law 101-121
Rationale: The Travel and Transportation Reform Act of 1998 (Public Law 105-264)
mandates GTCC use to ensure transparency and streamline travel costs.
2. What is the mandatory process where travel reimbursements are sent directly
to the travel card vendor?
A) Electronic Fund Transfer
B) Split Disbursement
C) Direct Remittance
D) Automated Credit
Rationale: Split disbursement ensures that the amount owed to the bank for official
charges is paid directly from the traveler’s voucher reimbursement.
3. How often must cardholders complete the Travel Card 101 refresher training?
A) Every year
B) Every 2 years
C) Every 3 years
D) Every 5 years
Rationale: DoD policy requires cardholders to retake the training every 36 months to
remain compliant with current regulations.
4. When is a GTCC account considered "Past Due"?
A) 15 days after the statement date
B) 1 day after the billing statement date (if not paid)
C) 30 days after the statement date
,2026 UPDATED QUESTIONS DOWNLOAD
D) 60 days after the statement date
Rationale: Under the terms of the cardholder agreement, the balance is due in full upon
receipt of the statement; failure to pay by the next billing cycle marks it as past due.
5. At how many days of delinquency is a GTCC account typically suspended?
A) 30 days
B) 45 days
C) 61 days
D) 90 days
Rationale: Accounts that are two billing cycles (61 days) overdue are automatically
suspended by the bank.
6. At how many days of delinquency is a GTCC account cancelled?
A) 90 days
B) 120 days
C) 126 days
D) 180 days
Rationale: Cancellation occurs at 126 days of delinquency, which severely impacts the
cardholder’s credit and future eligibility.
7. Which of the following is an authorized use of the GTCC?
A) Buying gas for a personal vehicle for a weekend trip
B) Paying for lodging while on official TDY orders
C) Withdrawing cash for a casino visit while traveling
D) Buying souvenirs for family members
Rationale: The GTCC is strictly for expenses related to official government travel as
authorized on the traveler's orders.
8. If a traveler uses the GTCC for personal items, this is known as:
A) Fraud
B) Misuse
C) Abuse
D) Negligence
Rationale: Misuse is defined as using the government travel card for any non-official,
personal purchases.
9. Who is ultimately responsible for ensuring the GTCC bill is paid on time?
A) The Supervisor
B) The Agency Program Coordinator (APC)
C) The Cardholder
D) The Finance Office
,2026 UPDATED QUESTIONS DOWNLOAD
Rationale: Regardless of reimbursement status or split disbursement, the legal contract
is between the cardholder and the bank.
10. What is the standard ATM withdrawal limit for a "Standard" cardholder?
A) $100
B) $250
C) $500 (or as adjusted by the APC)
D) $1,000
Rationale: While APCs can lower this, $500 is the common default for standard cards to
cover incidentals and taxi fares.
11. Which document defines the cardholder’s responsibilities and is signed
before card issuance?
A) DD Form 1351-2
B) Statement of Understanding (SOU)
C) Travel Authorization
D) Leave and Earnings Statement
Rationale: The SOU is the formal agreement where the traveler acknowledges the rules
of the GTCC program.
12. When must a traveler file their travel voucher?
A) Within 30 days of travel
B) Within 5 working days of returning from travel
C) Only when the bill arrives
D) At the end of the fiscal year
Rationale: Timely submission (within 5 business days) is required to ensure split
disbursement pays the bank before the due date.
13. What should you do if your card is lost or stolen?
A) Wait until you get home to report it
B) Immediately notify the bank and your APC
C) Borrow a co-worker’s card
D) Use your personal card and don't report it
Rationale: Immediate reporting limits the cardholder’s liability for any fraudulent charges
made on the lost card.
14. What is a "Restricted" card?
A) A card that only works at gas stations
B) A card with lower limits issued to individuals with low credit scores or no
credit history
C) A card for senior officers only
, 2026 UPDATED QUESTIONS DOWNLOAD
D) A card that cannot be used for airfare
Rationale: Restricted cards provide the DoD with a way to give travel cards to higher-
risk individuals while limiting financial exposure.
15. Can you use your GTCC for "Leisure Travel" in conjunction with official
travel?
A) Yes, for all expenses
B) No, only for the official portion of the trip
C) Yes, if your supervisor says it's okay
D) Only for the flight home
Rationale: The GTCC may only be used for the specific dates and expenses related to
the official mission.
16. What is the "M&IE" portion of your travel reimbursement?
A) Military and Industrial Expense
B) Meals and Incidental Expenses
C) Management and Insurance Evaluation
D) Monthly and Individual Expenses
Rationale: M&IE is the per diem allowance meant to cover food and small tips.
17. What does "Salary Offset" mean?
A) A bonus for using the GTCC
B) Involuntary deduction from pay to satisfy a delinquent GTCC debt
C) Using your base pay to pay the bill early
D) The government paying your interest fees
Rationale: If an account is severely delinquent, the law allows the bank to collect the
debt directly from the member's military or civilian pay.
18. Which of these is a prohibited ATM use?
A) Withdrawing cash for a taxi
B) Withdrawing cash for a meal tip
C) Withdrawing $300 for personal shopping while on TDY
D) Withdrawing cash for a cash-only airport shuttle
Rationale: Even while on TDY, cash advances must only be used for travel-related
expenses that cannot be charged directly.
19. What is the role of the Agency Program Coordinator (APC)?
A) To book your flights
B) To manage the unit’s GTCC program and monitor for misuse
C) To pay your credit card bill
) To approve your leave
Travel Card 101 (Version 3.02) – Master Exam Prep: 250 Q&A +
Rationales | Covers: GTCC Regulations, DTS, JTR, Split
Disbursement & Delinquency Timelines
1. Which public law requires federal employees to use the Government Travel
Charge Card (GTCC) for official travel expenses?
A) Public Law 107-314
B) Public Law 93-579
C) Public Law 105-264
D) Public Law 101-121
Rationale: The Travel and Transportation Reform Act of 1998 (Public Law 105-264)
mandates GTCC use to ensure transparency and streamline travel costs.
2. What is the mandatory process where travel reimbursements are sent directly
to the travel card vendor?
A) Electronic Fund Transfer
B) Split Disbursement
C) Direct Remittance
D) Automated Credit
Rationale: Split disbursement ensures that the amount owed to the bank for official
charges is paid directly from the traveler’s voucher reimbursement.
3. How often must cardholders complete the Travel Card 101 refresher training?
A) Every year
B) Every 2 years
C) Every 3 years
D) Every 5 years
Rationale: DoD policy requires cardholders to retake the training every 36 months to
remain compliant with current regulations.
4. When is a GTCC account considered "Past Due"?
A) 15 days after the statement date
B) 1 day after the billing statement date (if not paid)
C) 30 days after the statement date
,2026 UPDATED QUESTIONS DOWNLOAD
D) 60 days after the statement date
Rationale: Under the terms of the cardholder agreement, the balance is due in full upon
receipt of the statement; failure to pay by the next billing cycle marks it as past due.
5. At how many days of delinquency is a GTCC account typically suspended?
A) 30 days
B) 45 days
C) 61 days
D) 90 days
Rationale: Accounts that are two billing cycles (61 days) overdue are automatically
suspended by the bank.
6. At how many days of delinquency is a GTCC account cancelled?
A) 90 days
B) 120 days
C) 126 days
D) 180 days
Rationale: Cancellation occurs at 126 days of delinquency, which severely impacts the
cardholder’s credit and future eligibility.
7. Which of the following is an authorized use of the GTCC?
A) Buying gas for a personal vehicle for a weekend trip
B) Paying for lodging while on official TDY orders
C) Withdrawing cash for a casino visit while traveling
D) Buying souvenirs for family members
Rationale: The GTCC is strictly for expenses related to official government travel as
authorized on the traveler's orders.
8. If a traveler uses the GTCC for personal items, this is known as:
A) Fraud
B) Misuse
C) Abuse
D) Negligence
Rationale: Misuse is defined as using the government travel card for any non-official,
personal purchases.
9. Who is ultimately responsible for ensuring the GTCC bill is paid on time?
A) The Supervisor
B) The Agency Program Coordinator (APC)
C) The Cardholder
D) The Finance Office
,2026 UPDATED QUESTIONS DOWNLOAD
Rationale: Regardless of reimbursement status or split disbursement, the legal contract
is between the cardholder and the bank.
10. What is the standard ATM withdrawal limit for a "Standard" cardholder?
A) $100
B) $250
C) $500 (or as adjusted by the APC)
D) $1,000
Rationale: While APCs can lower this, $500 is the common default for standard cards to
cover incidentals and taxi fares.
11. Which document defines the cardholder’s responsibilities and is signed
before card issuance?
A) DD Form 1351-2
B) Statement of Understanding (SOU)
C) Travel Authorization
D) Leave and Earnings Statement
Rationale: The SOU is the formal agreement where the traveler acknowledges the rules
of the GTCC program.
12. When must a traveler file their travel voucher?
A) Within 30 days of travel
B) Within 5 working days of returning from travel
C) Only when the bill arrives
D) At the end of the fiscal year
Rationale: Timely submission (within 5 business days) is required to ensure split
disbursement pays the bank before the due date.
13. What should you do if your card is lost or stolen?
A) Wait until you get home to report it
B) Immediately notify the bank and your APC
C) Borrow a co-worker’s card
D) Use your personal card and don't report it
Rationale: Immediate reporting limits the cardholder’s liability for any fraudulent charges
made on the lost card.
14. What is a "Restricted" card?
A) A card that only works at gas stations
B) A card with lower limits issued to individuals with low credit scores or no
credit history
C) A card for senior officers only
, 2026 UPDATED QUESTIONS DOWNLOAD
D) A card that cannot be used for airfare
Rationale: Restricted cards provide the DoD with a way to give travel cards to higher-
risk individuals while limiting financial exposure.
15. Can you use your GTCC for "Leisure Travel" in conjunction with official
travel?
A) Yes, for all expenses
B) No, only for the official portion of the trip
C) Yes, if your supervisor says it's okay
D) Only for the flight home
Rationale: The GTCC may only be used for the specific dates and expenses related to
the official mission.
16. What is the "M&IE" portion of your travel reimbursement?
A) Military and Industrial Expense
B) Meals and Incidental Expenses
C) Management and Insurance Evaluation
D) Monthly and Individual Expenses
Rationale: M&IE is the per diem allowance meant to cover food and small tips.
17. What does "Salary Offset" mean?
A) A bonus for using the GTCC
B) Involuntary deduction from pay to satisfy a delinquent GTCC debt
C) Using your base pay to pay the bill early
D) The government paying your interest fees
Rationale: If an account is severely delinquent, the law allows the bank to collect the
debt directly from the member's military or civilian pay.
18. Which of these is a prohibited ATM use?
A) Withdrawing cash for a taxi
B) Withdrawing cash for a meal tip
C) Withdrawing $300 for personal shopping while on TDY
D) Withdrawing cash for a cash-only airport shuttle
Rationale: Even while on TDY, cash advances must only be used for travel-related
expenses that cannot be charged directly.
19. What is the role of the Agency Program Coordinator (APC)?
A) To book your flights
B) To manage the unit’s GTCC program and monitor for misuse
C) To pay your credit card bill
) To approve your leave
