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Using a credit card in Turkey

Save money with a credit card without paying foreign transaction fees.

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Our pick for use in Turkey: Chase Sapphire Preferred® Card

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Turkey, a popular tourist destination, is a credit-card-friendly country. Visa and Mastercard credit cards are widely accepted. American Express and Diners Club International? Not so much.

Cash also remains a popular way to pay across the country, so a cash withdrawal could be an option. Just be wary of cash advance fees and cash advance APR that are common with credit cards.

Compare cards for use in Turkey

Consider a credit card without foreign transaction fees or an airline cobranded card that saves you money on flights, checked bags or lounge access.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
Chase Sapphire Preferred® Card
None
$95
15.99% to 22.99% variable
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
None
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Petal® Visa® Credit Card
None
$0
12.99% to 29.49% variable
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Costco Anywhere Visa® Card by Citi
None
$0
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Chase Sapphire Reserve®
None
$550
16.99% to 23.99% variable
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
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Compare up to 4 providers

Potential credit card fees in Turkey

Whether you’ll pay any fees on your purchases abroad depends on your card. For example, you could pay:

  • Foreign transaction fees. This could be up to 3%, which means for every $5,000 spent in Turkey, you’ll pay $150 in fees.
  • Currency conversion fees. ATMs and vendors could offer you the option to pay in US dollars. This is called Dynamic Currency Conversion and it comes with a poor conversion rate.

Can I incur both fees?

Yes. Avoid this by paying in local currency and getting a credit card without foreign transaction fees.

Which credit card issuers are accepted in Turkey?

Visa and Mastercard are most commonly accepted card networks in Turkey, and American Express credit cards are accepted more widely than Discover cards — especially at expensive hotels and restaurants.

If you’re a Discover cardmember looking to make cash withdrawals, look for Citibank and Garanti ATMs. American Express owners can choose ATMs from Akbank, Vakifbank, Garanti and Turkiye Bankasi among others.

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

Should I use my credit card to get cash in Turkey?

You’ll need cash if you’re planning to shop from street vendors, market stands, or if you’re going to use public transportation or taxis.

ATMs are widespread across Istanbul and other cities, but expect to pay high cash advance fees and APR if you’re using a credit card. Use a debit card to avoid cash advance fees and an APR.

Travel money guide: Turkey

Do taxis in Turkey accept credit cards?

Most taxis in Turkey accept only cash. There are some, however, that may accept credit cards.

Also, don’t expect to find Uber rides in Turkey, as Uber has been declared illegal since 2018.

Chip and PIN credit cards

These are the most common types of credit cards used in Turkey. You could use a chip and signature card, but it may not be accepted everywhere. To avoid unnecessary frustration, ask your bank to provide a four-digit PIN for your card before traveling.

Is it safe to use my credit card in Turkey?

Using a credit card in Turkey is safe, but exercising caution is advised.

  • Select ATMs with care. Choose an ATM attached to a bank. These ATMs are less likely to be tampered with and you can quickly retrieve your card if it gets eaten by the machine.
  • Take two cards. Having a backup card could save you time, money and stress.
  • Keep your card in sight. Always keep an eye on your card to avoid misuse.

How to prepare before traveling to Turkey

  1. Get a credit card without foreign transaction fees. This can save you up to 3% on every transaction.
  2. Visa and Mastercard are universally accepted. American Express is also accepted, but not as widely.
  3. Notify your bank before you travel. Otherwise, your bank may consider your activity outside the US fraudulent and block your card.
  4. Get your bank’s phone number. Quickly resolve any card-related issues by calling.
  5. Get a backup card. This way, you’ll be covered if something happens to your primary card.
  6. Get some cash. Having cash is a must if you’re planning to haggle, use a taxi or purchase items from street vendors. Making a cash withdrawal could be an option, but use a debit card to avoid paying fees.

Bottom line

You can use your credit card in most places in Turkey, including hotels, restaurants and most museums. Mastercard and Visa are most popular, but some merchants may accept American Express and Discover cards. However, you may still need cash to fully enjoy Turkey.

If you’re looking to make cash withdrawals, consider carrying a debit card to avoid cash advance fees and an APR. For all other card purchases, get a travel credit card without foreign transaction fees.

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

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2 Responses

  1. Default Gravatar
    CorinneJune 12, 2019

    Do Turkish hospitals accept international credit cards?

    • Avatarfinder Customer Care
      CharisseJune 13, 2019Staff

      Hi Corinne,

      Thanks for reaching out to Finder.

      Yes, Turkish hospitals accept international credit cards. In fact, paying patients may be required to pay a deposit towards the cost of treatment, usually by credit card and to leave a credit card imprint.

      All doctors in Turkey as well are required to accept payment by credit card for consultations or appointments.

      I hope this helps.

      Cheers,
      Charisse

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