Going to Europe? A guide to using a credit card in Europe | finder.com
Couple traveling across Europe

Using a credit card in Europe

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You’re excited about your trip to Europe. But right now, you have money on your mind. Specifically, you’re wondering whether you can use your credit card or rely on cash abroad.

The answer lies somewhere in between. Credit cards are widely accepted in Europe, especially at large establishments such as hotels, but you may encounter merchants who only accept cash. In general, it’s a good idea to carry both cash and credit cards.

Read these tips to learn how your card can be used abroad.

Our pick for use abroad

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Compare credit cards for use in Europe

Before jetting off to Europe, consider getting a travel card without foreign transaction fees. This can save you a lot of money overall. Compare the cards below to find the best credit card for European travel.

Name Product Foreign Transaction Fee Annual Fee Purchase APR
18.24% to 25.24% variable
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
19.24% to 26.24% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$0 intro annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable
Earn 40,000 miles after spending $2,000 in the first 3 months. Earn an additional 20,000 miles after spending $8,000 in the first 6 months.
$0 intro annual fee for the first year ($49 thereafter)
16.24% to 26.24% variable
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months.
$0 intro annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees

Compare up to 4 providers

Consider which country you’re going to

Credit card acceptance isn’t uniform throughout Europe. Some countries, such as the Netherlands, Sweden and Denmark, accept credit cards pretty much everywhere. Others, such as Germany and Italy, will mostly only take cash.

For Europe in general, you’ll typically rely on cash for everyday spending for things such as buses and taxis. Be sure to carry enough cash to get you through each day, but don’t be afraid to use your credit card whenever you can.
Credit cards in a tropical paradise

A few credit card fees to avoid

International travelers often uncover a nasty surprise: Using a card overseas can be expensive. The main culprits are foreign transaction fees and currency conversion fees.

Credit card fees to avoid

Foreign transaction fees

A foreign transaction fee is assessed when you use your card abroad, and it’s typically 3% of each transaction. It can be more, depending on your card.
Using a credit card in Europe screenshot 1

Most credit cards have foreign transaction fees. However, all good travel cards come with no foreign transaction fees. For a few excellent cards, look into the Chase Sapphire Preferred® Card, Barclaycard Arrival® Plus World Elite Mastercard® and Bank of America® Travel Rewards credit card.

Using a credit card in Europe screenshot 3Like many travel cards, the Chase Sapphire Preferred® Card charges no foreign transaction fees.

Currency conversion fees

A foreign merchant may offer to convert your bill into US dollars instead of charging you in the local currency. This is called dynamic currency conversion. It’s expensive because you pay a currency conversion fee for it. If a merchant offers it, pass.

Best credit card for travel in Europe

Best airline credit card for travel in Europe: United℠ Explorer Card

the United℠ Explorer Card could be a useful addition to your wallet if you frequently travel to Europe. This card lets you earn and redeem miles on flights to Europe on United Airlines and their partners, saving you money on airfare and airline services.

European partner airlines include Lufthansa, Swiss International Airlines, Turkish Airlines, Adria Airways, Aegean Airlines, Scandinavian Airlines, TAP Portugal, Brussels Airlines, LOT Polish Airlines, Austrian Airlines and Aer Lingus.

Best no-annual-fee credit card for travel in Europe: Bank of America® Travel Rewards credit card

If you don’t want to pay an annual fee but you still want to earn travel rewards, the Bank of America® Travel Rewards credit card could be worth considering.

With this card, you could earn points on all of your purchases, get a solid signup bonus and a long intro APR period on purchases.

Best credit card with high signup bonus for travel in Europe: Barclaycard Arrival® Plus World Elite Mastercard®

Earn a generous signup bonus and unlimited miles on everything you buy with the Barclaycard Arrival® Plus World Elite Mastercard®.

Also, if you’re stuck paying high interest on another card, you can use a long intro APR period on balance transfers.

Best premium credit card for travel in Europe: Chase Sapphire Reserve®

Travelers who want to enjoy premium perks while traveling to Europe should consider the Chase Sapphire Reserve®. It comes with a generous signup bonus, a $300 annual travel credit, and accelerated points on travel purchases worldwide and dining at restaurants worldwide.

How we picked our best cards

We compared all credit cards without foreign transaction fees and with additional benefits for international travel. Then we chose the ones that stood out with their perks in the respective categories.

Should I use my credit card to get cash?

You’ll definitely need cash in Europe, but if you use your credit card to make a cash withdrawal at an ATM, you will incur a cash advance fee as well as a higher interest rate for cash advances.

Check out this card’s pricing information table. As you can see, the cash advance APR is 25.74%, which is higher than the APR you’ll get for purchases or balance transfers.
Using a credit card in Europe screenshot 4

You’ll also see that a cash advance comes with a high fee. You’ll pay the fee that is the greater of $10 or 5% of your transaction. If you take out a $300 cash advance, for example, you’ll pay the 5% fee — that’s $15.

Of course, credit card ATM withdrawals may also be subject to foreign transaction fees. The implication is clear: Don’t use your credit card at ATMs.

Pick up a no-fee debit or ATM card instead

Look for a low-fee debit or ATM card to get cash.

A debit card from the Schwab Bank High Yield Investor Checking Account is one excellent pick. It reimburses you for any fees you may incur at ATMs. And because it’s not a credit card, you won’t have to worry about cash advance interest.

The card also doesn’t charge foreign transaction fees.

Magnetic stripe and chip credit cards

Over the past few years, your card providers have probably upgraded your existing credit cards to one with a chip inside. These cards are called chip cards.

In the United States, we mostly have chip-and-signature cards — you must provide a signature during a transaction to verify your identity. Meanwhile, in Europe chip-and-PIN cards are standard. With this type of card, you enter a four-digit personal identification number to verify your identity.

Can I use my chip-and-signature card in Europe?

You’re not out of luck if you own only a chip-and-signature card. If you don’t have a PIN, an attendant will collect a signature from you during each transaction.

However, you may run into situations where your chip-and-signature card won’t work. For example, you might find yourself at an unmanned train station kiosk.

To avoid this, carry cash: You may be able to use it at the kiosk or simply buy a ticket from an attendant. Additionally, ask your card provider for a card PIN to let you complete transactions if a signature doesn’t suffice.

To cover your options more completely, consider picking up an actual chip-and-PIN card. Travelers often recommend the State Department Federal Credit Union Visa Platinum and the Andrews Federal Credit Union Visa.

What if I don’t have a chip card at all?

If you’re still stuck with a magstripe card, call your provider and get a chip card. You can get by in Europe with a chip-and-signature card, but many retailers simply don’t accept a magstripe card.

Is it safe to use my credit card in Europe?

For the most part, you’re quite safe from credit card fraud in Europe. You’ll rarely be on the hook for fraudulent transactions. Even if you owe money, US law states you can only be charged a maximum of $50.

As with all destinations, however, using the following safety tips is always a good idea.

  • Keep your PIN safe. Whenever you enter your PIN, use your other hand to cover your inputs. This helps cut down on spying — both from hidden cameras and people looking over your shoulder.
  • Use ATMs selectively. Avoid decrepit ATMs and those in isolated locations. Instead, use ATMs attached to banks.
  • Cancel your ATM transaction if anything seems awry. Don’t use an ATM if your card doesn’t slide smoothly into the card slot or if the keypad is difficult to press. The machine may be compromised by a credit card skimmer — a device that steals credit card information.
  • Avoid letting your credit card out of your sight. Out of view, someone can easily take a photo of your credit card. At restaurants, consider paying for your meals in cash so that servers won’t have to take your credit card elsewhere. (European restaurants often use portable card readers that servers take directly to you, but you can simply use cash as a precaution.)

Credit card fraud, skimmers and keeping card information safe

Keeping your credit card (physically) safe

Thieves don’t just steal credit card information by recording your card number — they can also steal the card itself.

Pickpockets in many European cities heavily target tourists. The bigger the tourist destination, the more pickpockets there tend to be.

To decrease the chances your credit card will be stolen, consider keeping it in a money belt. This is a fabric pouch that you wear around your waist and hide under your shirt or in your pants. Also consider neck pouches, hidden pockets or a belt with hidden pockets.
Using a credit card in Europe screenshot 2

Clockwise from top left: Money belt, hidden pocket, neck pouch, belt with hidden pocket.

How should I prepare before my trip?

Before going abroad, ensure that you can use your credit card with no problems.

1. Get a credit card with no foreign transaction fees. Foreign transaction fees can be easily avoided with the right card.
2. Highly consider getting a Visa, Mastercard or American Express. These brands are more likely to be accepted abroad — especially Visa and Mastercard. You may be able to use Discover cards at some locations, but many merchants won’t accept it.
3. Give your card provider a heads-up. If your bank sees a foreign transaction on your card, they may put a hold on your account for suspicious activity. Let your provider know where you’ll be traveling to avoid this.
4. Know who to call if you have a problem with your card while traveling. If your card is lost or stolen, or something else happens to it, call a local number to resolve the issue.
5. Know where you’ll get cash once you arrive. See if your bank has international partnerships that allow you to use some ATMs for free.
Using a credit card in the United Kingdom

Next steps

Before you head to Europe, answer these questions:

  • Which credit cards will I take? Consider taking at least two. Make sure they’re chip cards and don’t come with foreign transaction fees.
  • Do I understand the fees I might encounter? Knowledge is power — and it can save you a lot of money on your travels.
  • Have I called my card provider? Keep your card provider in the loop, and know what number to call if you run into trouble abroad.
  • What’s my plan for cash? Have a debit card ready, and know which ATMs you’ll get cash from.

Once you’ve made these arrangements, you’re all set to use your credit card on your next European trip. Safe travels!

How to use a credit card in…

Images: Shutterstock


Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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