Can I use my credit card in Europe?

Credit cards are widely accepted in Europe, especially if you’re in a major city or tourist destination. So whether you’re museum-hopping in Paris, wine-tasting in Tuscany or wave-riding in Portugal, you can rest easy knowing that you can likely pay for your adventures with your credit card. 

Keep reading to learn more about making purchases with a credit card in Europe.

What you’ll learn:

• Credit cards are widely accepted throughout Europe. 

• Compared to having cash, credit cards can be a more convenient and secure way to pay. 

• There might be other benefits of using a credit card while traveling in Europe, like added travel protections and the ability to earn rewards. 

• Capital One offers credit cards with no foreign transaction fees and added travel-related benefits to take you further. View important rates and disclosures.

In general, credit cards are widely accepted in Europe. Whether your specific card is accepted can depend on the payment network. And many merchants will clearly label the networks they accept.

Credit cards work the same whether you’re using them in Europe or the U.S. And just like in the U.S., credit cards are common and frequently accepted in most European countries.

European credit cards generally use chip-and-PIN technology. This is where cardholders authenticate their transactions with a personal identification number (PIN) at checkout, like you do with your debit card. In the U.S., chip-and-signature cards are more common. These cards need the cardholder’s signature at the point of purchase instead of a PIN. 

If you don’t have a chip-and-PIN card when traveling in Europe, you don’t need to worry too much. Most payment terminals now accept both types of cards. And merchants will ask for a signature if they need it.

Here are some other common ways to pay with your credit card in Europe:

• Tap-to-pay technology: With contactless payment, you simply tap or hold your card to the reader to authenticate your card information. It usually takes less than a second, which is quicker than inserting or dipping a chip card and faster than using cash.

• Digital wallets: If your credit card is added to a digital wallet like Apple Pay® or Google Pay®, you can also make payments by tapping your smartphone, smartwatch or other connected device.

It might be useful to have some cash on you for things like local transportation and tips while you’re in Europe. But the Federal Deposit Insurance Corporation cautions against carrying large amounts of cash. And using a credit card while abroad may be easier and more secure than paying with cash.

Using a credit card in Europe could offer these benefits:

• Security:  Many credit cards offer ways to help keep your money safe wherever you are. For example, if your Capital One card gets stolen, you can use the Capital One Mobile app and lock your card to prevent others from using it. Plus, Capital One offers $0 liability for unauthorized charges if your card is stolen. Plus, the Capital One Mobile app makes it easy to access your account and check balances and transactions anytime, anywhere.

• Credit card rewards: If you have a rewards credit card, you can keep earning rewards on qualifying purchases even when you’re across the pond.

• Travel-related benefits: Some credit cards come with benefits that are particularly useful for travelers. Eligible Capital One cardholders enjoy access to airport lounges and a statement credit for TSA PreCheck® or Global Entry.

• Travel-related protections: Certain credit cards offer additional protections to give you added peace of mind during your trip. For example, some Capital One cards come with protections like lost luggage reimbursement and emergency card replacement if your card is lost or stolen.

• Convenience: Compared with other types of payment options like cash or traveler’s checks, using a credit card can be a more streamlined way to make purchases.

If you’re planning a trip to Europe, here are a few things to keep in mind about using your credit card:

Depending on the credit card, fees may be added when you make transactions abroad, like:

• Foreign transaction fees: A foreign transaction fee is a surcharge some card issuers add to credit card purchases made outside the U.S. These fees usually range from about 1% to 3% of the transaction cost.

• Currency conversion fees: The credit or debit card payment network or ATM network may charge a currency conversion fee for converting euros to American dollars.

• Dynamic currency conversion: This is another service that some merchants offer right at the point of purchase. The service, which you can choose to accept or reject, offers to convert the price in euros to American dollars. It’s convenient because it can help you understand how much you’re spending. But it typically costs more than any standard exchange rate your credit card issuer might charge.

Capital One doesn’t charge foreign transaction fees. View important rates and disclosures.

Bringing a backup card can be helpful. You can keep it in a second wallet or your hotel room safe so that you always have access to funds even if your wallet is lost or stolen.

If you’re a Capital One cardholder and report your card lost or stolen, you can lock it to prevent others from using it.

In the past, credit card companies and financial institutions often required you to alert them of upcoming overseas travel plans so they knew to expect international charges. A travel notice generally isn’t necessary these days, but it’s always better to double-check with your card issuer before you leave.

Capital One no longer requires that you share your international travel plans. But it still recommends updating your contact information in case it needs to reach you about suspected fraud.

Using a credit card while traveling in Europe is easy and convenient. Plus, credit cards might come with benefits ranging from rewards to travel protections. With some cash as backup, you can plan to use your credit card throughout the continent for most of your purchases without having to worry about conversion rates.

It may be worth looking into a travel rewards card from Capital One. You could earn unlimited rewards that you can redeem to help cover the cost of flights, hotels, rental cars and more. Get pre-approved today. It’s quick and it won’t hurt your credit scores.