Are major credit cards accepted?
Good to Know
Visa and MasterCard are widely accepted throughout Costa Rica, including at Pacific Trade Winds, while American Express and Discover have limited acceptance. Travelers should contact their bank or credit card company prior to visiting to prevent security blocks and inquire about potential international transaction fees for both credit card use and ATM withdrawals. Be aware that many smaller establishments, such as 'pulparias' and 'sodas,' may not accept credit cards, and some businesses might charge an additional fee for processing credit card transactions.
Visa and MasterCard are widely accepted in Costa Rica. A much smaller percentage of businesses accept American Express or Discover. Here at Pacific Trade Winds, we accept Visa and MasterCard.
You should contact your credit card company or bank prior to visiting Costa Rica as they may place a security block for unusual foreign transactions if not. Some credit card companies will charge a 1 – 2% international transaction fee. You can often avoid this by changing your plan in advance or using a different credit card that does not charge foreign transaction fees instead.
ATM machines are available in most towns. You will have to contact your bank in advance as most ATM cards are not set up for foreign transactions. Similar to credit cards, there is a chance you could be charged a foreign transaction fee.
Many small stores (pulparias) and small restaurants (sodas) do not accept credit cards. It is better to ask in advance if you do not see a sign indicating they accept credit cards.
Though it is occurring less frequently these days, some small stores, restaurants, hotels and tour operators will charge an additional fee to process your credit card transaction.
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Frequently Asked Questions
Which credit cards are widely accepted in Costa Rica?
Visa and MasterCard are widely accepted across Costa Rica, including at Pacific Trade Winds. American Express and Discover have much more limited acceptance.
What should I do before using my credit card or ATM in Costa Rica?
Contact your credit card company or bank prior to your trip to inform them of your travel plans. This helps prevent security blocks on unusual foreign transactions and allows you to inquire about foreign transaction fees.
Are there fees for using credit cards or ATMs in Costa Rica?
Some credit card companies and banks may charge a 1-2% international transaction fee for credit card purchases or ATM withdrawals. It's advisable to check with your provider beforehand to understand or potentially avoid these charges.
Will all businesses in Costa Rica accept credit cards?
No, many small stores ('pulparias') and small restaurants ('sodas') often do not accept credit cards. It is recommended to ask in advance if credit card acceptance is not clearly indicated.