Using a credit card in Greece

A credit card without foreign transaction fees could save you money.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Finding a place to use a credit card in Greece is relatively easy given that it’s a major tourist destination. While larger establishments, such as hotels, bars and museums will mostly accept cards, smaller restaurants, hotels and shops may not. Having cash as a backup is a good idea.

But beware of hidden ATM fees if you’re planing to make a cash withdrawal.

Our pick for use in Greece

Capital One® VentureOne® Rewards Credit Card

  • Earn 1.25x miles on all purchases; 10x miles on purchases made through until January 2020
  • Earn 20,000 bonus miles once you spend $1,000 within your first 3 months when you open your account
  • Get 0% intro APR on purchases for your first 12 months, a variable APR of 13.49% – 23.49% applies thereafter
  • No annual fee
  • No foreign transaction fee
Read less
Read more

Compare cards for use in Greece

Consider getting a credit card without foreign transaction fees to save money on all of your purchases. In addition, you can save on flights with an airline cobranded credit card.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
CardMatch™ from
See terms
See issuer's website
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Capital One® VentureOne® Rewards Credit Card
0% intro for the first 12 months (then 13.49%, 19.49% or 23.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Gold Delta SkyMiles® Credit Card from American Express
$0 intro annual fee for the first year ($95 thereafter)
17.24% to 26.24% variable
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
Hilton Honors American Express Card
17.24% to 26.24% variable
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
American Express® Gold Card
See Rates & Fees
Earn 4x points at restaurants worldwide. Rates & fees

Compare up to 4 providers

Save money in Greece with the following credit cards without foreign transaction fees:

United Airlines is a member of the Star Alliance, which means you can earn and redeem miles on Turkish Airlines and Aegean Airlines flights between the US and Greece.

Delta Air Lines is a member of the SkyTeam Alliance, which also has a number of flights — including the partner French airline KLM — between the US and Greece.

Potential credit card fees in Greece

There are two major fees to watch out for when you use a card to pay for products and services in Greece:

  • Foreign transaction fees. Depending on your card, you could pay a fee of up to 3% of the amount of every transaction you make. This could quickly add up if you spend too freely.
  • Currency conversion fees. If you pay a vendor in US dollars, you could be subject to a Dynamic Currency Conversion (DCC). This has additional fees as it’s a poorer conversion rate you’d otherwise get at a bank.

Can I incur both fees?

Yes. Avoid this by choosing a credit card without foreign transaction fees and declining DCC if offered.

Which credit card issuers are accepted in Greece?

Owners of American Express credit cards will find it easier to pay at most locations than those who own Discover cards.

For an ATM cash withdrawal, Discover card owners can only use Citibank ATMs. For American Express cards, look for Alpha Bank, Ethniki Trapeza (National Bank) and Euronet ATMs among others.

Merchant acceptance
ATM acceptance
check mark iconHigh
check mark iconHigh
check mark iconHigh
check mark iconHigh
American Express
exclamation point iconMedium
check mark iconHigh
check mark iconHigh
cross mark iconLow

Should I use my credit card to get cash in Greece

You’ll find ATMs in most Greek cities and resorts, including at train and bus stations, shopping malls and popular tourist destinations. Some ATMs may charge a withdrawal fee of around $2 to $3 per transaction and could have additional fees. As of February 2019, some customers claim that Alpha Bank ATMs haven’t imposed these fees, but this could change any moment.

Using a credit card to make cash withdrawals will incur a cash advance APR and a cash advance fee for cash withdrawal. Avoid paying these fees by using a debit card for ATM withdrawal.

Travel money guide: Greece

Do taxis in Greece accept credit cards?

Some of the taxis have POS terminals. You can also try the Taxibeat app to get rides and pay through the app with your card.

Chip and PIN credit cards

Chip and PIN cards are widely used in Greece. You could use a chip-and-signature card, but to be on the safe side — ask your bank to provide you with a four-digit PIN for your card before traveling.

Is it safe to use my credit card in Greece?

Greece is a safe country when it comes to credit cards. However, it’s always recommended to follow certain safety tips, such as:

  • Select ATMs with care. Opt for ATMs in banks rather than ones on the street. Bank ATMs are less likely to have card-skimming devices.
  • Take two cards. Ensure you’re covered with a backup card in case something happens to your primary card.
  • Keep your card in sight. When you give your card to the counter, make sure you keep an eye on it.

How to prepare before traveling to Greece

  1. Get a credit card without foreign transaction fees. This way, you’ll avoid paying up to 3% fee for each transaction. That’s up to $150 for every $5,000 spent in Greece.
  2. Visa and Mastercard are universally accepted. However, American Express owners could also find it easy to pay with their card. If you own a Discover card, look for the Diners Club logo.
  3. Notify your bank. Otherwise, they might interpret purchases made abroad as fraudulent, and block your card.
  4. Get your bank’s phone number. Resolve issues more quickly by simply calling.
  5. Get a backup card. Keep it in your hotel room safe and use it in case something happens to your primary card.
  6. Get some cash. Carry cash for incidentals or small restaurants and shops that may not accept credit cards.

Bottom line

As a major tourist destination in Europe, Greece is a credit card-friendly country. You can easily pay with your card in your hotel, in restaurants, bars and even taxis as long as you use a Visa or Mastercard. Note, American Express and Discover have limited acceptance, although you can still find merchants that accept these cards.

Consider using a debit card for cash withdrawals to avoid cash advance fees and an APR. Also, a credit card without foreign transaction fees would be your best choice to save money on your purchases.
See more guides on using a credit card in other countries.

Frequently asked questions

Back to top


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.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site