Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
You can freely use a Visa credit card 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.
| 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. Avoid paying both fees by getting a credit card without foreign transaction fees and turn down DCC if offered.
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. Also, aside from United Airlines, you can board any Star Alliance partner airlines that fly between the US and Ghana.
Yes, 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.
Bringing a debit card could be 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.
The Extra debit card offers rewards and a credit score boost, but is it legit?
Help cover your business’s day-to-day costs with a working capital loan.
Till encourages your kid to be a smart spender, but it has some limitations.
A checking account that comes with free checks and complimentary credit score and identity monitoring services.
Nexo is a cryptocurrency lending and borrowing platform that offers high interest rates on cryptocurrencies, stablecoins and fiat. We review the features available and look at how safe your funds would be on the platform.
A youth savings account with a whopping 7% APY on account balances up to $1,000.
It’s easy to qualify for these online store cards.
Navy Federal’s Visa Buxx card has no fees, but you must qualify for membership with the credit union.
A must-have for parents looking to teach their little ones healthy money habits early on.
We look for the following features when rating kids debit cards: monthly fees, features, availability, customer service, interest rate and more.
