What You Need to Know About Using U.S. Credit Cards in Colombia

Traveling to Colombia is an exciting experience, whether you’re exploring the vibrant capital of Bogotá, relaxing on the Caribbean coast, or venturing into coffee country. But when it comes to managing your money, especially with U.S.-based credit cards, a little preparation goes a long way.

Understanding how and where your Visa, MasterCard, or American Express (AmEx) cards are accepted can help you avoid unexpected hiccups at checkout. In this guide, we’ll walk you through everything you need to know about using U.S. credit cards in Colombia. 

Visa and MasterCard: The Most Widely Accepted Cards

If you’re traveling to Colombia with a Visa or MasterCard, you’re in luck—these are by far the most widely accepted credit cards throughout the country. In major cities like Bogotá, Medellín, and Cartagena, most hotels, upscale restaurants, shopping malls, and international retail chains will take both cards without issue.

You’ll find Visa and MasterCard accepted at:

• Large hotel chains and many boutique hotels
• Supermarkets and department stores
• Popular restaurants and cafes
• Rideshare services like Uber or Cabify
• Coworking spaces and some local service providers

That said, there are still areas where card acceptance is spotty. Small, family-run businesses, street vendors, market stalls, and some rural shops often prefer cash—or may not accept cards at all. When in doubt, look for card logos on doors or windows, or politely ask: ¿Aceptan tarjeta? (Do you accept cards?)

ATMs and Cash Withdrawals

Many ATMs in Colombia support Visa and MasterCard debit and credit cards, allowing you to withdraw Colombian pesos (COP) easily. ATM fees vary, but they’re generally reasonable. Your home bank may charge a foreign transaction or ATM fee, so check before traveling.

To minimize fees:

• Use ATMs inside major banks or malls for added security.
• Withdraw larger amounts less frequently.
• Consider using a U.S. card that reimburses international ATM fees.

Foreign Transaction Fees

Some U.S. credit cards charge a foreign transaction fee, usually around 1% to 3% of the purchase amount. If you’re a frequent traveler, consider using a card with no foreign transaction fees. Always notify your bank or credit card issuer about your travel plans, so your transactions aren’t flagged or blocked.

American Express: The Least Accepted Card

If American Express is your primary credit card, be prepared for more limited acceptance in Colombia. While AmEx is a major player in the U.S., its reach doesn’t extend as widely in South America. Many local businesses simply don’t support it due to higher merchant fees.

You may find AmEx accepted at:

• Luxury hotels
• International restaurant chains
• Some high-end shops and tourist-oriented businesses

However, for everyday purchases—especially at small or independent businesses—AmEx is often not an option. If you rely solely on an AmEx, you could find yourself in frustrating situations when it’s time to pay.

How to Check AmEx Acceptance

To avoid surprises, look for the AmEx logo displayed on store windows or at the checkout counter. You can also ask in advance with: ¿Aceptan American Express? Most cashiers will let you know quickly if it’s accepted.

ATM Compatibility

Another limitation is that many Colombian ATMs don’t support American Express cards for cash withdrawals. This makes it even more important to carry a Visa or MasterCard as a backup—especially if you anticipate needing to access local currency.

If you currently only have an AmEx, we recommend applying for a Visa or MasterCard with no foreign transaction fees before your trip.

Cash and Backup Payment Methods: Always Be Prepared

Despite Colombia’s growing digital economy, cash is still essential, especially in local neighborhoods and rural areas. You’ll need Colombian pesos for:

• Taxis (unless using a rideshare app)
• Street food and vendors
• Local buses and informal transport
• Small shops and corner stores
• Tips and small services

Carry a moderate amount of cash for daily expenses, and replenish as needed using a secure ATM.

Safety Tips for Carrying Cash

• Use ATMs inside banks, malls, or supermarkets—they’re safer and less likely to be tampered with.
• Avoid withdrawing large sums of money at once, and don’t flash your cash in public.
• Divide your money between your wallet, hotel safe, and a hidden stash (e.g., money belt or second bag).
• Keep a small emergency reserve in a different location from your main cards and wallet.

Alternative Payment Options

Some businesses may accept local debit cards or prepaid travel cards, but international compatibility varies. Mobile payment apps, such as Nequi or Daviplata, are popular among locals but may not be accessible to foreigners without a Colombian bank account.

Tips for Using Credit Cards Safely and Smoothly in Colombia

To ensure your credit card experience goes off without a hitch, follow these key tips:

1. Avoid Dynamic Currency Conversion (DCC)

Always pay in Colombian pesos, not U.S. dollars. Some card terminals offer to convert the price into your home currency, but this almost always comes with bad exchange rates and extra fees.

2. Notify Your Card Issuer Before Traveling

Let your bank or card provider know your travel dates and destinations. This reduces the chance of your card being flagged for fraud or temporarily frozen.

3. Use Contactless or Chip-and-PIN When Possible

Many terminals accept tap-to-pay cards. If not, chip-and-PIN is standard. Some places still swipe cards, so be aware of where your card is going and avoid handing it off unnecessarily.

4. Keep a Digital and Physical Backup

Photocopy or take photos of your credit cards (front and back) and store them separately. Include your card provider’s international customer service numbers in case of loss or theft.

5. Be Cautious at ATMs

Stick to ATMs in secure areas—avoid standalone machines on quiet streets. Cover your hand when entering your PIN and keep an eye on your surroundings.

Navigate Travel in Colombia Like a Pro

Colombia offers a great mix of modern convenience and local charm—but you’ll get more out of your trip if you prepare well. 

Let the local experts at Cielo Travel help you navigate the city’s exciting cultural offerings, gastronomy, and more, and entrust us with any and all questions about how to have a smooth trip.