Can You Use Visa and MasterCard in China?

Using credit cards in China can be quite different from other countries. In general, Visa and MasterCard are accepted, but there are several important nuances to be aware of. Visa and MasterCard have limited acceptance in China compared to other major credit card networks like UnionPay. This is primarily due to the dominance of UnionPay, China's national payment system, which is widely accepted across the country.

Visa and MasterCard in Major Cities: In major cities like Beijing, Shanghai, and Shenzhen, you will find that many high-end hotels, international restaurants, and shops accept Visa and MasterCard. However, acceptance is less common in smaller towns and rural areas. In these regions, you may need to rely more on cash or UnionPay cards.

ATMs and Cash Withdrawals: Visa and MasterCard can generally be used at ATMs to withdraw cash, although there might be additional fees. It's advisable to inform your bank about your travel plans to avoid any issues with your cards while abroad.

Payment Apps and Online Transactions: Many online platforms and payment apps in China primarily use Alipay and WeChat Pay. Visa and MasterCard are not typically supported on these platforms. If you plan to make purchases through these apps, you may need to use cash, UnionPay, or other methods.

Currency Exchange and Fees: Be aware of currency exchange rates and fees when using your credit card abroad. Credit card companies often charge foreign transaction fees, so it's beneficial to check with your card issuer before traveling.

Travel Tips: Always have a backup payment method and some cash when traveling in China. While Visa and MasterCard are accepted in many places, they are not as universally accepted as UnionPay. Having cash and a UnionPay card can be very useful, especially in less urban areas.