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Using a credit card in the Czech Republic

Know the potential fees and what’s accepted before you take off.

Credit cards are widely accepted in the Czech Republic. Visa and Mastercard are the most popular, but you’d also do just fine carrying Discover or American Express cards.

If you’re taking along a variety of cards, debit cards and cash, read our full guide on spending money while traveling in Czech Republic.

Which credit card issuers are accepted in the Czech Republic?

Discover has a “high merchant acceptance,” which means you can use it in a large number of places in the country. American Express is also widely accepted, but both cards lag behind Visa and Mastercard.

If you want to make a cash withdrawal, look for ATMs of Euronet and Komercni Banka for Amex cards. For Discover cards, your options are a bit wider and include ATMs of Citibank, Raiffeisen Bank, Volksbanka, CSOB, GE Money Bank and Ceska Sporitelna.

Euronet ATMs usually have higher fees.

Merchant acceptanceATM acceptance
Visacheck mark iconHighcheck mark iconHigh
Mastercardcheck mark iconHighcheck mark iconHigh
American Expressexclamation point iconMediumcheck mark iconHigh
Discovercheck mark iconHighcheck mark iconHigh

Potential credit card fees in the Czech Republic

There are two types of fees to watch out for when using your credit card in a Czech city:

  • Foreign transaction fees. Depending on your card, you could pay up to a 3% fee on any transaction made abroad. This translates to a $30 fee per $1,000 spent.
  • Currency conversion fees. Sometimes a merchant or an ATM will allow you to pay or make a cash withdrawal in US dollars. This gives the merchant full control over the conversion rate, which is usually higher than what your bank would offer.

Can I incur both fees?

Yes. To avoid this, get a credit card without foreign transaction fees and always pay in local currency.

Compare cards for use in the Czech Republic

Consider a credit card without foreign transaction fees to save money on purchases made in Prague. Otherwise, you could pay up to a 3% fee on all purchases made abroad.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
American Express® Gold Card
None
$250
See Pay Over Time APR

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
None
$695
See Pay Over Time APR

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Luxury Card Mastercard® Titanium Card™
None
$195
14.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Compare up to 4 providers

If you often travel to Prague, you could save money with the following cards:

You can board United Airlines or Lufthansa flights between a major city in the US and Prague and earn miles with your United credit card.

If you prefer cheaper flights, Aeroflot flies between the US and the Czech Republic. You can earn miles with your Delta credit card, as Delta is also a partner of Czech Airlines.

Chip and PIN credit cards

Chip and PIN credit cards are used across the country, but you could still find chip and signature cards in use. Get a four-digit PIN from your bank before traveling.

Is it safe to use my credit card in the Czech Republic?

You can safely use your card throughout the country and especially in Prague. However, you should still be cautious. For example:

  • Select ATMs with care. Stick to ATMs attached to banks. These are usually safer and the bank can quickly retrieve your card if the machine eats it.
  • Take two cards. Having a backup will give you access to emergency cash if needed.
  • Keep your card in sight. Whenever you pay, make sure you watch your card to avoid misuse.

How to prepare before traveling to the Czech Republic

  • Get a credit card without foreign transaction fees. This way you can avoid paying up to a 3% fee on every transaction made abroad.
  • Visa and Mastercard are universally accepted. Discover and American Express also have a high acceptance rate in the Czech Republic compared to other European countries.
  • Notify your bank before you travel. Otherwise, your bank could interpret purchases made abroad as fraudulent and block your card.
  • Get your bank’s phone number. Quickly resolve card issues with a simple phone call.
  • Get a backup card. This will be your lifeline if you lose your primary card.
  • Get some cash. Credit cards are widely accepted in Prague and other major cities, but smaller shops and smaller towns may have limited credit card acceptance.

Should I use my credit card to get cash in the Czech Republic?

You may need cash to pay for a taxi or incidentals, as not all merchants in the Czech Republic accept credit cards. Making a cash withdrawal could be an option, but it comes with additional fees and a high APR.

You can avoid paying cash advance fees and APR by using a debit card. ATMs are widely available in Prague or any of the major cities.

Learn more: How to send cash to the Czech Republic.

Do taxis in Prague accept credit cards?

A large number of taxis in Prague accept credit cards. You can also call an Uber to pay for a ride through the app.

Bottom line

You can safely use your card in Prague and in other cities in the Czech Republic. Carrying some cash with you for incidentals and purchases in smaller shops is also a good idea.

If you’re looking to make a cash withdrawal, a debit card could help you avoid cash advance fees and APR. For all other purchases, consider a travel credit card to avoid paying foreign transaction fees.

See more guides on using a credit card in other countries.

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