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Lacking a chip is not an issue. Almost all card readers are outfitted with both chip and magnetic strip readers. The only time I've seen a card reader without a magnetic stripe reader was in a food truck. Not having a PIN is never an issue when there's a sales clerk around. You'll likely have to tell them that you don't have a PIN number (in Sweden, ...


I was in Sweden in 2014 with an American credit card, and it was accepted literally every place I used it, both ATMs and shops. (Two different cards.) I don't recall trying an automated ticket dispenser (e.g., bus ticket) which I think would be the most likely to fail.

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