Can I use my credit card in the Philippines?

Yes, you can use your credit card in the Philippines. Credit cards are widely accepted in major cities and popular tourist locations. However, if you’re traveling to smaller islands or more remote areas, it’s probably a good idea to bring cash too. The Philippine peso is the country’s official currency. 

What you’ll learn:

• Credit cards—including Capital One cards—are accepted in most tourist areas of the Philippines. 

• Some credit card issuers charge foreign transaction fees when you use the card abroad.

• Other perks of using a credit card in the Philippines include security features like card lock to help keep your money safe while traveling.

• You might need to use cash in the more remote areas of the country.

Using a credit card in the Philippines is a lot like using it in the United States. You’ll use it to pay for the item or service, but you will be charged in pesos. Your credit card issuer will automatically convert the amount charged to your domestic currency. Any foreign transaction fees will also be charged automatically.

Capital One doesn’t charge foreign transaction fees on any Capital One credit cards. View important rates and disclosures.

Here are some advantages to using your credit card when traveling in the Philippines:

• Convenience: By using a credit card instead of cash, you can bypass the process of exchanging currency. Plus, it can be easier than managing pesos if you’re not familiar with them. 

• Security: Some credit card issuers, including Capital One, offer features like card lock and $0 liability for unauthorized purchases. And if your card is lost or stolen, you can typically report it through an app like the Capital One Mobile app. 

• Rewards: If you have a rewards card that offers cash back or travel miles, you may continue to earn rewards when making credit card purchases in the Philippines.

• Travel protections: Depending on the card, you may also be able to access travel insurance for added peace of mind while traveling. Learn more about how credit card travel insurance works.

Using a credit card while you’re in the Philippines can be a convenient and easy way to make purchases. But it could be helpful to have some pesos in case you’re somewhere that doesn’t accept credit cards—or if you want to leave a tip in cash.

Here are some best practices to keep in mind if you plan to use your credit card on your trip:

• Notify your card issuer: While not always required, you may decide to let your card issuer know you’re traveling abroad to make sure your charges won’t be blocked.

• Have some cash: There are places in the Philippines where credit cards are not accepted, especially in more remote areas. And small vendors may prefer cash.

• Choose a card with no foreign transaction fees: Foreign transaction fees are usually 2%-5% of the charge amount. Choosing a card that doesn’t have them, like any Capital One credit card, can help you avoid that added cost. View important rates and disclosures.

A credit card can come in handy when you’re in the Philippines, especially in the major tourist areas. And having a travel rewards credit card can help you earn rewards that you can use to cover airfare, car rentals, hotel stays and more. 

When you’re planning your trip, you might consider using Capital One Travel to help you book flights, hotels, vacation rentals, rental cars and activities while earning rewards toward your next trip. Plus, you can compare Capital One’s travel and miles credit cards for rewards card options.