If you are planning a trip to China, it is essential to have a credit card that works well in the country. In this article, we will discuss the best credit cards to use in China, including their benefits, fees, and restrictions. We will also explain how to choose the right card for your needs and offer tips on how to use your credit card safely while traveling in China.
Introduction
China is a popular destination for tourists and business travelers alike, and having a credit card that works well in the country can make your trip much smoother. However, not all credit cards are created equal when it comes to international travel. Some cards may charge high foreign transaction fees or may not be widely accepted in China. In this article, we will explore the best credit cards to use in China and explain what factors to consider when choosing a card.
Table of Contents
Why You Need a Credit Card in China
While cash is still king in many parts of China, credit cards are becoming increasingly popular, especially in larger cities and tourist destinations. Using a credit card can be more convenient than carrying around large amounts of cash, and many credit cards offer rewards and benefits that can make your trip more enjoyable.
Factors to Consider When Choosing a Credit Card for China
When choosing a credit card to use in China, there are several factors to consider:
Acceptance and Network
Not all credit cards are accepted in China, so it is essential to choose a card that is part of a widely recognized network, such as Visa or Mastercard. American Express is less widely accepted in China, so it may not be the best choice for travelers.
Foreign Transaction Fees
Many credit cards charge foreign transaction fees, which can add up quickly if you are using your card frequently in China. Look for a card that does not charge foreign transaction fees or has low fees.
Rewards and Benefits
Some credit cards offer rewards and benefits that can be particularly useful for travelers. For example, a card that offers travel rewards or cashback on purchases can help offset the cost of your trip.
Annual Fees
Some credit cards have annual fees, which can eat into any rewards or benefits you may receive. Consider whether the benefits of the card outweigh the annual fee, especially if you are only using the card for one trip.
Best Credit Cards to Use in China 2023
Based on the factors above, here are the best credit cards to use in China:
1.Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is an excellent choice for international travelers, with no foreign transaction fees and a rewards program that offers points that can be redeemed for travel or cashback. The card also offers trip cancellation insurance, which can be valuable for travelers.
2.Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is another great option for travelers, with no foreign transaction fees and a rewards program that offers miles that can be redeemed for travel.
The card also offers a TSA PreCheck or Global Entry credit, which can save you time at the airport.
3.Bank of America Travel Rewards Credit Card
The Bank of America Travel Rewards Credit Card is a good choice for those who want to earn rewards without paying an annual fee. The card has no foreign transaction fees and earns points that can be redeemed for travel, gift cards, or cashback.
4.Citi Premier Card
The Citi Premier Card is a great option for travelers who want to earn rewards on a variety of purchases. The card earns points on travel, dining, and entertainment purchases and has no foreign transaction fees. The card also offers travel protection benefits, including trip cancellation and interruption insurance.
Discover it Miles Credit Card
The Discover it Miles Credit Card is a no-annual-fee card that earns 1.5x miles on all purchases. The miles can be redeemed for travel or cashback, and the card has no foreign transaction fees. The card also offers a unique benefit where all miles earned in the first year are doubled, making it a great choice for those who plan to travel frequently in the first year of card ownership.
Tips for Using Your Credit Card Safely in China
While credit cards can be a convenient way to make purchases in China, it is important to take precautions to ensure that your card information stays safe. Here are some tips for using your credit card safely in China:
Notify Your Bank of Your Travel Plans
Before you travel to China, notify your bank of your travel plans. This can prevent your card from being flagged for fraud when you try to use it in a foreign country.
Use ATMs at Banks or Hotels
When withdrawing cash in China, it is best to use ATMs located inside banks or hotels. These machines are less likely to be targeted by skimming devices or other scams.
Watch Out for Skimming Devices
Skimming devices are a common scam in China, where thieves attach a device to an ATM or point-of-sale machine to steal your credit card information. Look for any signs of tampering on the machine, such as loose parts or a different-looking card reader.
Use Cash for Small Purchases
For small purchases, it may be best to use cash rather than a credit card. This can help minimize the risk of fraud and also reduce the fees associated with using a credit card.
Beware of Scams
Scams are common in China, and it is important to be aware of common tactics, such as someone offering to help you withdraw money from an ATM. Never give your credit card or PIN number to anyone, and always be aware of your surroundings.
Conclusion
Using a credit card in China can be a convenient and rewarding experience, but it is essential to choose the right card and take precautions to ensure your card information stays safe. The best credit cards to use in China are those that have no foreign transaction fees, are widely accepted, and offer rewards or benefits that can enhance your travel experience. By following the tips above, you can use your credit card safely and confidently while traveling in China.
FAQs
- Do all merchants in China accept credit cards?
While credit cards are becoming more widely accepted in China, not all merchants may accept them. It is a good idea to have some cash on hand in case you encounter a merchant who does not accept credit cards.
- Do I need a special credit card for China?
No, you do not need a special credit card for China. However, it is important to choose a card that has no foreign transaction fees and is widely accepted.
- What should I do if my credit card is lost or stolen in China?
If your credit card is lost or stolen in China, contact your bank immediately to report the issue. Your bank will be able to help you cancel the card and issue a replacement. It is also a good idea to have a backup credit card or some cash on hand in case of emergencies.
- Are there any credit cards that offer travel benefits for China?
Yes, there are several credit cards that offer travel benefits specifically for China, such as the China Airlines Dynasty Flyer Program Credit Card and the Air China Visa Signature Card. However, these cards may not be as widely accepted as other general travel rewards cards.
- Can I use my debit card in China?
Debit cards are generally accepted in China, but it is important to check with your bank to make sure your card will work. Debit cards may also be subject to foreign transaction fees and ATM fees, so it is important to check with your bank on these fees as well.
