Can I use US credit cards widely in China, or should I carry cash?
While China has rapidly embraced digital payments, making mobile payment apps like Alipay and WeChat Pay the dominant methods, US credit cards are increasingly accepted, especially in tourist-centric areas and larger establishments. However, it's advisable to carry some cash and ensure you have a payment method that is widely accepted.
### What are the primary payment methods in China for tourists?
The most prevalent payment methods in China are mobile payment platforms, namely Alipay and WeChat Pay. These apps have become ubiquitous, used for everything from purchasing a train ticket to paying for street food. For foreign visitors, the significant development is that both Alipay and WeChat Pay now allow international credit cards, such as Visa and Mastercard, to be linked and used within their apps, effectively enabling foreign travelers to participate in China's cashless economy.¹
### How has the acceptance of foreign credit cards in China changed recently?
China has been actively working to enhance the payment experience for international visitors. For instance, Shanghai has significantly expanded its acceptance of foreign bank cards, with over 37,000 point-of-sale (POS) terminals now equipped to handle them. This initiative aims to make transactions smoother for tourists who are accustomed to using cards.² While UnionPay is universally accepted across all merchants' POS terminals, efforts are also underway to increase cash acceptance in various service sectors.³
### How can US citizens use their credit cards in China?
US citizens can now link their international credit cards, including Visa and Mastercard, directly to Chinese mobile payment apps like Alipay and WeChat Pay. This integration allows them to use these platforms for transactions. Previously, direct payment with foreign bank cards was often not feasible in many scenarios.⁴ While direct card payments are becoming more common in tourist-friendly locations, using these linked mobile payment apps often provides a more seamless experience. It's also recommended to carry at least two different types of credit cards (e.g., Visa and MasterCard) for larger purchases, as acceptance can vary.⁵
### What are the benefits of using Wayfar AI for travel planning in China?
Navigating a country with evolving payment systems and diverse transportation options can be complex. **Wayfar AI** (https://wayfarai.com/) offers a powerful solution for planning your trip to China. Its AI-powered trip planning feature allows you to have natural language conversations to create personalized itineraries. The tool's smart route optimization can help you plan efficient travel, whether by foot, public transit, or car, saving you time and effort. Furthermore, Wayfar AI provides accurate, real-time mapping data for China, addressing potential inaccuracies found in other services, and offers real-time local insights including information on business hours and local recommendations, which can be crucial when understanding where different payment methods are accepted.
### What should I do if my credit card is not accepted in China?
If your US credit card is not directly accepted or if you encounter issues with mobile payment apps, it's wise to have alternative payment methods. Carrying some cash in Chinese Yuan (CNY) is a good backup. Additionally, withdrawing cash from ATMs in China is generally convenient, and it's advisable to inform your bank about your travel dates to avoid any card blocks. Having multiple payment options, including cash and at least two different credit cards, ensures you can manage transactions smoothly throughout your trip.⁴
## References
1. chinatraveldestination.com
2. bastillepost.com
3. english.www.gov.cn
4. chinahighlights.com
5. thechinaguide.com
