Using a credit card in the Czech Republic

Use a credit card almost anywhere in Prague and other Czech cities.

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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.

Our pick for use in Czech Republic

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
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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
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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

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.

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.

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 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
check mark iconHigh

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.

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

  1. Get a credit card without foreign transaction fees. This way you can avoid paying up to a 3% fee on every transaction made abroad.
  2. 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.
  3. Notify your bank before you travel. Otherwise, your bank could interpret purchases made abroad as fraudulent and block your card.
  4. Get your bank’s phone number. Quickly resolve card issues with a simple phone call.
  5. Get a backup card. This will be your lifeline if you lose your primary card.
  6. 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.

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 credit card without foreign transaction fees.
See more guides on using a credit card in other countries.

Frequently asked questions

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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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