Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Using a credit card in Croatia

Can you use your credit card in the land of Game of Thrones?

To enjoy all that Croatia offers, you’ll need a combination of cash, debit and credit cards.

Plastic is accepted throughout major cities and tourist destinations like Zagreb, Split and Dubrovnik. Smaller cities and establishments on the mainland and island — especially konoba or family inns sprinkled across the country — accept cash only.

Compare cards used in Croatia

If you’re planning on applying for a new credit card before your trip to Croatia, look for a credit card that charges no foreign transaction fees. Although the fees seem low, they can add up if you use your credit card often.
Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Brim World Mastercard
Up to $300 worth of bonuses
1.5 points for every $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to $300 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app. 
HSBC World Elite® Mastercard®
70,000 Points
Up to 6 points per $1 spent
19.9%
$0 annual fee for the first year ($149 thereafter)
Min. recommended credit score: 650
Get a Welcome Bonus of 20,000 Points ($100 travel rewards). Plus, earn an additional 50,000 Points and get a 1st year annual fee waiver. Apply by September 27, 2021.
BMO U.S. Dollar Mastercard
N/A
N/A
19.99%
$35 USD
Min. recommended credit score: 725
When your purchases total US$1,000 or more in a year, the next year's annual fee (US$35) is rebated to your card.
Brim World Elite Mastercard
Brim World Elite Mastercard
Up to $500 worth of bonuses
2 points per $1 spent
19.99%
$0 annual fee for the first year ($199 thereafter)
Min. recommended credit score: 700
Collect up to $500 worth of bonus points when you shop with Brim retailers for the first time using your Brim World Elite Mastercard.
Scotiabank Gold American Express Card
40,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel) Apply by August 31, 2021.
Scotiabank Passport Visa Infinite Card
40,000 points
Up to 2 points per $1 spent
19.99%
$139
Min. recommended credit score: 750
Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel). Apply by July 1, 2021.
loading

Compare up to 4 providers

Canadian Visa and Mastercard credit cards are widely accepted abroad. Check with your bank before traveling to Croatia to confirm whether or not you’ll be able to use your credit card during your trip.
Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
BMO Preferred Rate Mastercard
3.99% rate on balance transfers for 9 months
N/A
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Scotiabank Value Visa Card
0.99% rate on balance transfers for 6 months
N/A
12.99%
$29
Min. recommended credit score: 660
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
Tangerine Money-Back Credit Card
1.95% rate on balance transfers for 6 months
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
HSBC +Rewards™ Mastercard®
20,000 Points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 630
Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
Refresh Financial Secured Card
N/A
N/A
17.99%
$12.95
Min. recommended credit score: Any score
Take advantage of a low annual fee, with no credit check and guaranteed approval once you secure your card with some funds.
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO World Elite Mastercard
30,000 points
Up to 3 points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
Home Trust Secured Visa
N/A
N/A
14.90% - 19.99%
$0
Min. recommended credit score: Any score
Choose from three card options: No Annual Fee ($0 annual fee, 19.99% purchase rate), Low Interest Rate ($59 annual fee, 14.90% purchase rate) or a Low Monthly Fee ($5 monthly fee, 14.90% purchase rate).
loading

Compare up to 4 providers

Which credit cards are accepted in Croatia?

Visa and Mastercard are widely accepted across Croatia, with fewer restaurants and hotels accepting American Express cards.

Although credit cards are widely accepted, always travel with at least some cash. Some apartment owners might insist that you secure your room with a cash deposit, especially during the country’s peak tourist season. You might even score a discount from some vendors or landlords that prefer Croatian kuna over swiping plastic.

Does Croatia accept the euro?

Though the country became a part of the European Union in 2013, Croatia hasn’t yet adopted the euro.

To attract travellers from the EU, local Croatian businesses might accept payment in euros. Some taxis, accommodations and restaurants advertise their rates in euros – but euros aren’t legal tender in Croatia, which means no business is obligated to accept them.

Possible fees to watch out for

  • Foreign transaction fees. Usually around 2.5% to 3% of your transaction cost, these fees are charged when you use your card overseas. You can avoid these fees by choosing a credit card that charges no foreign transaction fees.
  • Currency conversion fees. If a merchant asks if you’d like to pay in the local currency or in Canadian dollars, always choose the local currency. When a merchant converts the transaction to Canadian dollars for you, you’ll incur a currency conversion fee and likely get a less competitive exchange rate.
  • Cash advance fees. If you use your credit card to withdraw cash from an ATM, you’ll face a cash advance fee. In addition, you’ll be charged interest on your withdrawn amount immediately – there is no grace period for a cash advance transaction.
  • ATM fees. Even when you use your debit card to withdraw cash from an ATM, you’ll likely be charged an ATM fee. Usually around $5, this fee can be avoided by choosing a debit card from a bank that has an international partnership with other banks. One example is the Global ATM Alliance through Scotiabank, which waives ATM fees when you use specific brands of ATMs worldwide.

Should I use my credit card to get cash?

Avoid using your credit card to withdraw cash at all costs. This is an extremely expensive way to access cash as you will incur a cash advance fee as well as interest charged from the day you withdraw the funds.

Instead, use your debit card to withdraw money from ATMs. To avoid the ATM fee that comes with debit cards, consider applying for a card from a bank that has an international partnership with other ATM providers and banks around the world.

Called Bancomats in Croatia, ATMs are easily found in banks, airports, stores and even some larger hotels.

Is it safe to use my credit card in Croatia?

You can safely use your credit card in Croatia by taking a few basic precautions.

  • Keep your PIN safe. When entering your PIN at an ATM or card reader, use one hand to cover it from hidden cameras and people with prying eyes.
  • Choose ATMs carefully. Look for machines in banks, airports or well-lit areas, and avoid ATMs in isolated neighbourhoods – especially at night.
  • Cancel your transaction if anything’s off. A card skimmer can steal your valuable card information without you even noticing. If your machine’s card slot or keypad is acting up, cancel your transaction and use a different ATM.
  • Keep your card physically safe. Crime levels in Croatia are low, but you’ll want to remain vigilant to street crime — especially during the summer tourist season. Keep an eye out in busy areas, where you could encounter pickpockets. Don’t leave your wallet or bag unattended, and watch your belongings in busy places like the beach.

How should I prepare before my trip?

As you plan to relax and unwind on the beautiful Croatian beaches, you’ll want to be sure you can use your credit cards without a hitch.

  • Get a card with no foreign transaction fees. This is one fee you can easily avoid, provided you apply for a no foreign transaction fee credit card prior to your trip.
  • Keep your credit card provider in the loop. Banks don’t like losing money to fraud, and so they won’t hesitate to block your card temporarily if they see unexpected overseas purchases. Avoid this by informing your provider of your travel plans.
  • Carry important phone numbers. Lost and stolen cards aren’t uncommon while travelling. Have important provider numbers handy so that you can call should you find yourself in a financial emergency.
  • Know where you’ll get cash. ATMs are abundant across Croatia. You can exchange US or Canadian dollars for Croatian kuna at banks or currency exchange kiosks. Consider applying for a debit card with a bank that has an international ATM alliance.

How to use a credit card in…

Frequently asked questions

Pictures: Shutterstock

More guides on Finder

Go to site