What's the most widely accepted credit card in Europe?

First, make sure any credit card you take to Europe is widely accepted. Visa and Mastercard networks, for example, offer wider acceptance abroad than Discover and American Express. While you can certainly bring your Amex and Discover cards, it's best to pack a backup.
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What is the most widely accepted credit card in Europe?

Credit Cards:

Visa® and MasterCard® are accepted most places in Europe. American Express® and Discover® are not commonly accepted. European credit cards all have an added security 'chip'. With this in mind, bring at least one Visa® or MasterCard® that has a chip.
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What's the best credit card to use in Europe?

  • Best credit cards for travel to Europe.
  • Chase Sapphire Preferred® Card.
  • Chase Sapphire Reserve®
  • Capital One Venture X Rewards Credit Card.
  • Wells Fargo Autograph® Card.
  • Other options.
  • Consider carrying more than one card.
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Which credit card is most widely accepted?

Visa and Mastercard are the most widely accepted credit card networks globally, while American Express and Discover have significantly limited international acceptance.
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Is Visa or Mastercard more popular in Europe?

The current state of the European card market

In 2023, Visa and Mastercard processed a combined total of approximately USD 4.7 trillion in payment volume across Europe. Visa reported a payment volume of USD 2.4 trillion, while Mastercard reported USD 2.3 trillion.
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What credit card is most widely accepted in Europe?

Is Visa or Mastercard more acceptable?

Internationally, Visa is accepted in over 200 countries, while Mastercard is accepted in slightly fewer, around 200 countries. Despite these differences, the acceptance rates for Visa and Mastercard have become increasingly aligned in recent years, ensuring that cardholders can use their cards almost anywhere.
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What credit card is best?

+ Show Summary
  • Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit.
  • Capital One Platinum Secured Credit Card: Best low-cost secured card.
  • Citi Custom Cash® Card: Best for high cash back rates.
  • U.S. Bank Shield™ Visa® Credit Card: Best balance transfer card.
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Is it best to use a credit card in Europe?

Credit cards are widely accepted throughout Europe. Having a credit card in Europe might be more convenient and secure than having cash. There might be other benefits of using a credit card while traveling in Europe, like added travel protections and the ability to earn rewards.
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What's the strongest credit card in the world?

The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
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Is Capital One widely accepted in Europe?

Yes, Chase and Capital One Visa are widely accepted. I use my Capital One in Europe, because it does not have foreign transaction fees.
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What credit card is easiest to get approved for?

Easiest Credit Cards to Get Approved For
  • Easiest to Get Overall: opensky® Plus Secured Visa® Credit Card.
  • Easiest to Get with Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit Card.
  • Easiest Unsecured Card to Get with Bad Credit: OneMain Financial BrightWay® Card.
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What's the best international credit card?

Best travel credit cards for 2025
  • Chase Sapphire Preferred® Card. Best redemption value. ...
  • Capital One Venture X Rewards Credit Card. ...
  • Capital One Venture Rewards Credit Card. ...
  • American Express® Gold Card. ...
  • U.S. Bank Altitude® Connect Visa Signature® Card. ...
  • Citi Strata Premier℠ Card. ...
  • Bank of America® Premium Rewards® Credit Card.
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What is the largest credit card company in Europe?

Visa is Europe's biggest payment brand...

Log in or register to access precise data. trillion U.S. dollars that credit cards, debit cards, and prepaid cards generated that year in Europe.
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What is the best Visa credit card?

Best Visa credit cards for September 2025
  • Upgrade Cash Rewards Visa®: Best for low interest & fees.
  • Credit One Bank® Platinum X5 Visa®: Best for fair credit scores.
  • Bank of America® Travel Rewards credit card: Best for occasional travelers.
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Do most people take Mastercard?

Both Visa and Mastercard are accepted widely around the globe, and the two networks have an almost identical global merchant acceptance.
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What credit card do most millionaires use?

Millionaires use credit cards like the Centurion® Card from American Express (Amex Black Card) and the J.P. Morgan Reserve Credit Card. Both cards require an invitation to apply, and millionaires have the best chance of getting these high-end credit cards.
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What is a black card limit?

No spending limit

There are no preset spending limits with the Amex Black Card, so you can easily buy big-ticket items that you may not necessarily be able to pay for with other credit cards. Keep in mind, however, that you must pay off your balances in full every month.
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What is the world's most accepted credit card?

Most Widely Accepted Credit Cards
  • Most Widely Accepted Internationally: Mastercard (210+ countries and territories, 110+ million merchants) and Visa (200+ countries and territories, 130+ million merchants).
  • Most Widely Accepted in the U.S.: Visa and Mastercard (10.7+ million U.S. merchant locations).
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What credit card is best for Europe?

American credit cards work throughout Europe (at hotels, larger shops and restaurants, travel agencies, car-rental agencies, and so on); Visa and MasterCard are the most widely accepted. American Express is less common, and the Discover card is unknown in Europe.
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How many credit accounts should I have?

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
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Is Visa or Mastercard better for Europe?

In most European countries, you'll find that merchants and ATMs accept both Visa and Mastercard. If you're planning on traveling to Europe, your best option is probably to choose a credit card from either network, rather than a debit card. Credit cards are more secure, have better rewards, and some also provide...
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What is the most difficult credit card to get?

Hardest Card to Get Overall

Why it's one of the hardest cards to get: The hardest card to get is the American Express Centurion Card, known simply as the “Black Card.” You need an invitation to get Amex Centurion, and only the super rich and famous can expect to get the call.
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What's the best credit card to have with no annual fee?

Best Credit Cards With No Annual Fee of August 2025
  • Discover it® Cash Back: Best feature: Cash back on everyday purchases.
  • Discover it® Miles: Best feature: Travel rewards.
  • Chase Freedom Unlimited®: Best feature: Flexible cash back rewards.
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