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Visa credit cards are widely accepted in Ghana. Mastercard and American Express are also accepted, but less so especially if you travel outside of Accra.
Making a cash withdrawal could cover you in places that don’t accept credit cards. Though this may come with additional fees.
Only Visa cards are widely accepted in Ghana. Mastercard and American Express cardholders might struggle to find an ATM or an establishment to use these cards, especially outside of Ghana’s capital.
Discover cards are still trying to find a way into the Ghana credit card market.
| Merchant acceptance | ATM acceptance | |
|---|---|---|
| Visa |  High | High |
| Mastercard |  Low | Low |
| American Express | Low | Low |
| Discover | Not accepted | Low |
The usual credit card fees you can incur in Ghana are:
Yes. Get a credit card without foreign transaction fees and turn down DCC if offered to avoid paying both fees.
Choosing a credit card without foreign transaction fees would be ideal. Also, consider a Visa card since they’re widely accepted in Ghana.
Both of these widely-accepted Visa cards come without foreign transaction fees. And aside from United Airlines, you can board any Star Alliance partner airlines that fly between the US and Ghana.
It’s relatively safe. Even so, you should always try to:
Yes, getting cash from an ATM could get you the best conversion rate. However, cash withdrawals come with cash advance fees and a high APR if you’re using a credit card.
Consider getting a debit card to avoid cash advance fees and an APR.
No, but you could use a rideshare app such as Uber and pay with your credit card through the app.
Chip and PIN cards are commonly used in Ghana. To avoid any surprises when using your card, ask for a four-digit PIN from your bank before departing.
Credit cards are widely accepted throughout Ghana, especially at large hotels and restaurants. Visa cards have wider acceptance, followed by Mastercard and American Express.
If you decide to use your card for purchases, consider a credit card without foreign transaction fees and always decline to pay in US dollars if offered. That way you’ll save money on fees.
Take a debit card as a solid choice if you intend to make cash withdrawals as they don’t have cash advance fees or an APR.
See more guides on using a credit card in other countries.
How do I send money to Ghana?
Check out our money transfer page to find the best way to send money to Ghana.
Which currency does Ghana use?
Ghana uses the cedi with a symbol GH₵ and a code GHS.
Expect to see banknotes of 1, 2, 5, 10, 20 and 50 GH₵.
What’s the US dollar to Ghana cedi exchange rate?
What’s the most commonly used credit card network in Ghana?
Visa is far and away the most common credit card network.
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