Can I Use My Credit Card In The Dominican Republic?

This blog post will give you an overview of everything you need to know about using credit cards in the Dominican Republic.

Can I Use My Credit Card In The Dominican Republic?
Girl holding a credit card and shopping bags

If you're planning a trip or move to the Dominican Republic, it's important to know how to use your credit card. There are a few things to keep in mind when using credit cards in the Dominican Republic, from what types of cards are accepted to tips for avoiding fraud.

Will my Credit Card work in the Dominican Republic?

Yes you'll be able to use your credit card in the Dominican Republic. Not every merchant will accept credit cards but if they do you shouldn't have an issue processing your payment.

Types of Credit Cards Accepted in the Dominican Republic

There are four main types of credit cards accepted in the Dominican Republic: Visa, MasterCard, American Express, and Discover. All four types of cards are widely accepted by merchants in the Dominican Republic.

What should I be aware of before using my credit card in the Dominican Republic?

Certain cards charge foreign transaction fees if you're traveling outside of the country it was issued. Some card issuers don't allow usage outside of the country it was issues in at all. It's important to review the terms of your card and raise any concerns with the issuer before you start using it to make sure there aren't any surprises.

Tips for Using Credit Cards in the Dominican Republic

  • Be sure to inform your card issuer that you will be traveling to the Dominican Republic before you leave on your trip. This will help to ensure that your card is not blocked due to suspicious activity.
  • When making a purchase with your credit card, be sure to keep your receipt so that you can verify the charges when you receive your statement.
  • It is always a good idea to carry some cash with you when traveling, as there may be situations where credit cards are not accepted (such as at small businesses or taxis).

Make a Small Purchase

Foreign transaction fees can be quite high, sometimes as much as 3%. However, there are some credit cards that don't charge this fee. By making a small purchase and paying attention to the total cost in your home currency, you can get a better idea of what the real exchange rate will be after transaction fees and currency exchange rate fees.

To get an accurate picture of the exchange rate, divide the purchase price in DOP/$RD by what shows up in your statement or push notification. For example, if you buy some gum for 50 pesos and receive a notification for a 0.91¢ USD charge, you can get an accurate fx rate by dividing 50 by 0.90 (1 USD = 55.55 pesos).

This will give you a more accurate number than a exchange rate website or a local bank because it’s personal to you. Keep in mind that exchange rates can fluctuate, so you may want to recalculate this occasionally to help you budget better and avoid any surprises.

Where can I use my credit card in the Dominican Republic?

If you're visiting Santo Domingo you'll find that most big box stores such as Sirena, Ikea, PriceSmart and fast food chains such as McDonalds, Burger King and Taco Bell will accept credit cards. A good rule of thumb is that the more intentionally known the brand the more likely it is that they accept credit cards.

Where won't I be able to use my credit card in the Dominican Republic?

Corner stores (Colmados) and street vendors are less likely to accept cards for payment.

Can I use my credit card to pay bills in the Dominican Republic?

Yes, if you're paying in person at a local branch it shouldn't be an issue.

Also, f you're making any payments outside of the Dominican Republic, your card should work as usual. This includes Netflix, Amazon Prime, and any other subscription services.

Can I use my card to pay my bills online in the Dominican Republic?

When it comes to online payments for local companies, merchants and utility companies  you'll find that most retailers are using AZUL's ecommerce solution to process their online payments.

If you're using an AZUL terminal in a store to pay for something in person, it will work fine with international cards. However, the AZUL ecommerce solution only appears to work with debit and credit cards that were issued in the Dominican Republic.

What are some workarounds for this?

  • Use the card in person
  • Get a local prepaid card and load it with money
  • Download the Hugo app and use that to pay your bills

What credit cards should I get before going to the Dominican Republic?

There are a few things you should look for when deciding which credit cards to get:

  1. No foreign transaction fees
  2. Good exchange rate
  3. High credit limit
  4. Good rewards program
  5. Good customer service

If you're an iPhone user we recommend getting an Apple Card.
There are no foreign transaction fees and it has a tight integration with your phone. Most terminals accept Apple Pay so you can leave your card at home.

How to Use Your Credit Card in the Dominican Republic.

Where to Use Your Credit Card in the Dominican Republic

You can use your credit card almost anywhere in the Dominican Republic, including at most hotels, restaurants, and stores. Some places that do not accept credit cards are colmados and street vendors. It is always a good idea to have cash on hand as well, just in case.

What to Do If Your Credit Card Is Lost or Stolen in the Dominican Republic

If your credit card is lost or stolen while you are in the Dominican Republic, you should contact your bank or credit card company immediately to report the loss or theft. They'll cancel your card and send you a new one. You should also contact the local police to file a report.

How to Avoid Scams When Using Credit Cards in the Dominican Republic.


When using your credit card in the Dominican Republic, the best way to avoid scams is to be aware of how they work. Scammers can be extremely innovative so we won’t be going over every scam but we’ll give you some ideas on what to watch out for.


One scam is known as the skimming. This is where your credit card information is stolen by someone who uses a special device to read your card information. This information is then used to make unauthorized charges on your card.

When inserting your credit card into a device, wiggle the card reader to make sure it is not a fake overlay used by scammers to steal your information.


Another scam is known as the phishing scam. This is where you receive an email or text message that appears to be from your credit card company. The message will ask you to click on a link and enter your credit card information. However, this link will actually take you to a fake website where your information will be stolen.

If you have any doubts or if there is an extreme amount of urgency on their end, contact your credit card company directly via the contact information on their website.


• Make sure you receive a receipt for every transaction.
• Verify that all charges on your statement are ones that you have made.
• If you are unsure about a charge, contact your credit card company immediately.
• Keep track of your credit card balance and limit so you can report any unauthorized charges quickly.

Reporting Credit Card Fraud in the Dominican Republic

If you suspect that your credit card has been used fraudulently, it is important to report it immediately. You should contact your credit card company and file a police report as soon as possible. Be sure to keep all documentation and evidence of fraud (e.g., receipts, statements, etc.) so that you can provide this to authorities when filing a report.


In conclusion, credit cards can be used easily in the Dominican Republic, but there are a few things to keep in mind. You may have difficulty paying local utilities online with your card,  you should be aware of potential fraud and you should use a card with a low foreign transaction fee. With these tips in mind, using credit cards in the Dominican Republic will be a breeze.