Using a credit card in Jamaica | finder.com
Using a credit card in Jamaica

Using a credit card in Jamaica

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

Plan ahead to avoid problems with purchases while traveling this Caribbean island.

Jamaica’s got it all — pristine beaches, lush green forests and picturesque mountains — making it a must-see for many Americans.

If you’re planning to play or work in this Caribbean nation, you can rest assured that most businesses in tourist areas accept credit cards. Though it never hurts to carry some cash, especially if you’re rambling into more remote areas.

Which credit cards are accepted in Jamaica?

Mastercard and Visa branded cards are widely accepted across this island nation. Most large hotels and shops accept American Express cards, but don’t count on your Diners Club or Discover cards.

If you’re looking for some souvenirs or local goods, cash is your best bet. Several small businesses and shops don’t accept credit cards at all.

ATMs in Jamaica

ATMs are easy to find in such big cities as Kingston, Montego Bay and Mandeville, as well as around popular resorts spread across the island. However, ATMs in Jamaica can be unreliable, so it’s best that you have a backup plan.

Muggings in Jamaica are common, so look for well-lit ATMs and those located within locked vestibules when taking out cash.

US currency in Jamaica

Many businesses in Jamaica accept payment in US dollars and Jamaican dollars. However, any business that doesn’t target tourists may limit currency to the Jamaican dollar.

Local businesses decide their own exchange rates, often favorable to them and more expensive for you. Save money by exchanging your US dollars at forex service or tourist bureaus.

And bear in mind that even though you can easily use US dollars, hardly anyone accepts American coins.

Magstripe and chip credit cards

As with most countries the world over, Jamaica is transitioning from magstripe cards to chip cards. If you have a magstripe card, you can use it with card readers designed to work with chip cards — you’ll just need to sign a receipt.

Because most chip cards come with magstripes at the back, you can often use your chip card with older card readers.

Can I use my chip-and-signature card in Jamaica?

Using a chip-and-sign card in Jamaica shouldn’t be a problem. If a clerk is unsure about what to do with your card, suggest pressing the Enter button if it requests a PIN.

What if I don’t have a chip card at all?

Chip cards offer more secure than magstripe cards. Credit card skimming and cloning is common in Jamaica, so you might want to request a chip card from your bank or provider before your flight.

No-fee travel cards

When using most credit cards outside of the US, there’s a good chance you’ll pay foreign transaction fees of 2% to 3% of each transaction.

If you travel often — whether to Jamaica or elsewhere — consider applying for a travel card that comes with no foreign transaction fees.

Should I use my card to get cash?

You can use your credit card to get cash. But watch out for costly cash advance fees that’ll leave you on the hook for both a fee per transaction and immediate interest on your spending.

To avoid cash advance fees at an ATM, choose to use a debit card over a credit card when withdrawing money. Even though you’ll typically pay a withdrawal fee, most cards charge fees that are less expensive than cash advance fees and interest.

To avoid ATM fees altogether, look for cards that waive transaction fees internationally, like the debit card that comes with a Schwab High Yield Investor Checking Account.

Is it safe to use my card in Jamaica?

Using a card in Jamaica comes with its share of risks.

To be most careful when taking out money, follow these three easy tips:

  • Safeguard your PIN. When entering your PIN at a hotel, grocery or restaurant, use one hand to hide the numbers from cameras and prying eyes. And never share your PIN with anyone.
  • Safety first. Avoid using ATMs in isolated or dimly lit areas. Even when you’re using a well-used ATM, try to limit withdrawals to the daytime only. And if you’re withdrawing a large amount, consider taking someone along with you.
  • Watch out for skimmers. Credit and debit card skimming is a concern in Jamaica. If something appears amiss or suspicious, go with your gut. Cancel your transaction, and look for another ATM instead.

Tips on keeping safe in general

Jamaica’s crime rates are high, especially around specific areas of Kingston and Montego Bay. With credit card fraud especially common, remain vigilant even when using your card at stores and supermarkets.

Don’t display overt signs of wealth or venture into isolated areas or desolate beaches. You could become a target of thieves.

General areas in Kingston that tourists report avoiding include Tivoli Gardens, Cassava Piece, Arnett Gardens, Mountain View and Trench Town. In Montego Bay, you’re better off avoiding Hart Street, Clavers Street, Norwood, Mount Salem, Flankers, Canterbury and Rose Heights.

How should I prepare for my trip to Jamaica?

Before you take off for your trip to Jamaica, prepare to avoid any potential problems with purchases or your credit card.

  • Look for a card with no foreign transaction fees. If you have the time, you’ll find many cards that forgo foreign transaction fees. A few options include the Marriott Rewards Premier Visa, the Starwood Preferred Guest American Express and Capital One Venture Rewards.
  • Go with Visa or Mastercard. If businesses in Jamaica accept cards, there’s a good chance you’re limited to Visa or Mastercard. While a few accept American Express, you’ll have a hard time finding those who take Diners Club or Discover.
  • Call your card provider. Banks will temporarily block cards if they detect unusual activity, and an unexpected transaction from Jamaica could alert a block. Getting your card unblocked can be a hassle, so be sure to contact your credit card company before you travel overseas.
  • Keep important phone numbers close. You never know when you might need to report a lost or stolen card. Pack a list of a numbers to call in a pinch.
  • Know where you’ll get cash. You can use your debit card to withdraw money from an ATM or convert US dollars at any number of banks or a currency exchange centers. Research a few near your hotel for easy cash when you need it.

Planning in advance is the best way to have safe access to your money when you need it.

Compare credit cards

Rates last updated June 25th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Amex EveryDay® Credit Card
14.74% to 25.74% variable
0% Intro APR for 15 months
$0
Earn 15000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Deserve® Classic Card
24.49% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
Apply now Read review
Bank of America® Cash Rewards Credit Card
14.74% to 24.74% variable
0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
$0
Earn more cash back for the things you buy most.
Blue Cash Everyday® Card from American Express
14.74% to 25.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Luxury Card Mastercard® Black Card™
16.49% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 3% balance transfer fee)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Apply now Read review
Chase Sapphire Preferred® credit card
17.49% to 24.49% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Apply now Read review
The First Access VISA® Credit Card
29.99% variable
$75 annual fee for the first year ($48 thereafter)
Access credit even if you have poor or limited credit history.
Apply now Read review
Luxury Card Mastercard® Gold Card™
16.49% variable
0% Intro APR for 15 billing cycles (with the amount of each transfer, $5 or 3% balance transfer fee)
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Apply now Read review
Chase Sapphire Reserve®
17.49% to 24.49% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Credit One Bank® Visa® with Free Credit Score Tracking
17.49% to 25.49% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Apply now Read review
Amex EveryDay® Preferred Credit Card
14.74% to 24.74% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Chase Freedom Unlimited® credit card
16.49% to 25.24% variable
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Bank of America® Premium Rewards® Credit Card
17.49% to 24.49% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Quicksilver® from Capital One®
14.49%, 20.49% or 24.49% variable
0% Intro APR for 15 months (with 3% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase, every day
Chase Freedom® credit card
16.49% to 25.24% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Bank of America® Travel Rewards Credit Card
16.49% to 24.49% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
Chase Slate® Credit Card
16.49% to 25.24% variable
0% Intro APR for 15 months (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
Venture® from Capital One®
14.49%, 20.49% or 24.49% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.
HSBC Cash Rewards Mastercard® credit card
14.49%, 18.49%, or 24.49% variable
0% Intro APR for 15 months (with whichever is greater: $10 or 4% balance transfer fee)
$0
Earn unlimited 1.5% cash rewards on all purchases. See Rates and Fees
Apply now Read review

Compare up to 4 providers

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

2 Responses

  1. Default Gravatar
    MichaelaJanuary 22, 2018

    I will be travelling to Jamaica and need a prepaid Visa or MasterCard. How much can I use daily?

    • finder Customer Care
      RenchJanuary 23, 2018Staff

      Hi Michaela,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You may also want to consider getting a prepaid travel money card for you to use in Jamaica. You can get useful information on this page and compare your options.

      You may click the name of your preferred card to know more details and you may click the green “Go to site” button to submit an online application through their official site.

      Hope this helps.

      Best regards,
      Rench

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.49
variable

Annual fee

995 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit Card

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site