I've always used Visa but after seeing some useful travel cards from Mastercard & American Express; I was wondering whether they would be useful at all if they aren't accepted widely. Out of the two which one has a wider acceptance especially in Europe.

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    Commenting rather than answering because I don't have the stats to hand but: Mastercard is pretty widley accepted across europe (along with it's debit equivilant, Maestro). So is Visa. AmEx has much lower acceptance (partly beacause they charge a bigger fee). The other thing to note is "chip and pin" cards will be better received than "swipe and sign" in most of europe.
    – CMaster
    Commented Mar 2, 2015 at 13:45
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    @verve Depends who issued your card. There is nothing about it being an American Express card that prevents chip+pin or contactless, it's just about what the issuer wants/offers. My Amex card issuers are both happy to give me chip+pin+contactless cards, as and when the card expires and they post out a new one
    – Gagravarr
    Commented Mar 2, 2015 at 17:37
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    Here in the UK, Amex acceptance is relatively rare, whereas VISA/Mastercard are accepted everywhere. (I have an Amex card which gives good cashback but I hardly ever get to use it, usually have to use a different credit card instead).
    – A E
    Commented Mar 2, 2015 at 18:03
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    @AE I'd say it depends on the kind of merchant in the UK. Chain hotels, supermarkets, trains, petrol, big shops, high end restaurants, chain restaurants, tourist shops are all fine. Beyond that it's hit and miss - 2 corner shops near me take Amex, but most "mid-week with friends" normal restaurants don't
    – Gagravarr
    Commented Mar 3, 2015 at 4:36
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    While British Rail no longer exists, I think the classic Not The Nine O'Clock News sketch still has some relevance: youtube.com/watch?v=ZF-U9nL9Ios
    – armb
    Commented Mar 3, 2015 at 11:31

8 Answers 8


Mastercard, hands down. If you want a card to make payments abroad, your choice is between Mastercard and Visa, especially in Europe. Other cards are much less commonly accepted (and in fact quite rare there).

American Express cards can be good for their perks: cash back, insurance, miles, rewards, whatever but not for convenience when travelling… You could perhaps get an Amex to complement your Visa but certainly not switch and rely solely on it.

Importantly, unlike acceptance, perks also depend on the bank/institution and the type of card, rather than only on the network so there are several level of American Express and also some Visa or Mastercards with useful perks like travel assurance. If that's what you are after, you need to read the fine print and compare specific cards very carefully.

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    AmEx issues it's own cards, and offers substantial insurance protections across the board. It's a big part of why they can be so valuable to have. Commented Mar 2, 2015 at 14:51
  • @LessPop_MoreFizz Maybe but like I just explained, that's not the point of either the question or my answer.
    – Relaxed
    Commented Mar 2, 2015 at 14:55
  • And that means that making an explicitly inaccurate statement no longer matters? Commented Mar 2, 2015 at 14:58
  • @LessPop_MoreFizz Which statement is inaccurate? The last sentence is obviously about credit cards in general and is still true of Amex (say this offering which comes in three flavours with different perks)…
    – Relaxed
    Commented Mar 2, 2015 at 15:02
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    @LessPop_MoreFizz It would not make sense to say that something depends on the network if I was speaking about a single network but I added a new paragraph to avoid the confusion. In any case, in light of the example I just gave, it does not make any difference to the accuracy of the statement. Also, writing that “perks also depend […] rather than only on the network” does imply that the network does matter. So, again, what exactly is inaccurate in my answer?
    – Relaxed
    Commented Mar 2, 2015 at 15:10

The answer is almost certainly MasterCard, but this is a poor basis on which to decide between the two.

You're right to intuit that American Express is accepted less often than Visa or MC. This is largely because AmEx charges a higher fee to merchants for transactions, and because the cards themselves are generally less common. AmEx is also only accepted in 140 countries, compared to the 200+ in which Visa and MasterCard operate. That said, I'd still call it 'widely accepted', and AmEx cards often offer a host of benefits that other cards often won't match, particularly in the realm of purchase protection and travel insurance.

Mastercard and Visa are accepted at just about equal rates around the world. In general, if you can use one, the other will work. The thing about both, is that neither is issued by a bank, and so, the benefits of a particular Visa or MasterCard option will vary wildly. Thus, it's a bit silly to limit the conversation to comparisons of the individual networks when talking about a Visa or MC, because a Chase Visa Sapphire card is so wildly different from, say, a Chase Student Rewards card. From interest rates to purchase protection to rewards, literally almost everything about any two Visa or MasterCard issued cards can be different.

In general, the only notable network-wide differences between Visa and Mastercard are as follows: Visa offers you substantially better protections than MC when used to pay for a rental car. MasterCard offers you price protection and guarantees your ability to return merchandise within 60 days. Individual Visa or MasterCard offerings through a specific bank may offer benefits and services that exceed either of these baselines, and, for example, may make an individual MC offering a better choice for use on a rental car, even though the MasterCard network as a whole is not.

TL;DR: If you're concerned about acceptance, it's important that you probably have at least one Visa or MasterCard, which it sounds like you already do. For any further cards beyond that, look at the specific perks and protections and benefits of an individual card, and don't worry too much about acceptance rate. And remember, it's always good to carry some cash. It has an acceptance rate closer to 100% than any alternatives.

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    Do you have any reference to the network-wide Visa rental car thing? Only it's not something I've ever heard about before as a visa card holder
    – Gagravarr
    Commented Mar 2, 2015 at 14:26
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    I don't understand the lengthy lecture about non-travel related issues. There are some valid points in there but which cards are more widely accepted is a valid question, no reason to chide the OP for choosing on this basis, especially on this site (incidentally, that's actually the main purpose of these cards for many people in Europe, where credit and rewards are often less important).
    – Relaxed
    Commented Mar 2, 2015 at 14:36
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    @Relaxed funny, I find differing levels of insurance coverage to be just as much of a travel issue, if not more of one, than acceptance statistics. Commented Mar 2, 2015 at 14:37
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    @LessPop_MoreFizz Yes, there are some useful info buried in there and even an answer of sorts to the actual question but why be so dismissive about it and insist on talking about something else? You're kind of blaming the OP for comparing cards based on the network because perks vary widely but that's a problem entirely of your own making, he wasn't asking about perks…
    – Relaxed
    Commented Mar 2, 2015 at 14:44
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    @LessPop_MoreFizz Must be a north american thing, there's no similar page on the UK visa site (visa.co.uk) nor on the Australian one (visa.com.au). No mention on any of the UK visa card issuers sites either. So, not visa network wide
    – Gagravarr
    Commented Mar 3, 2015 at 4:40

Having worked a bit in retail since the 90s and my wife having a pub for a while, I can say that at least in Germany, Mastercard is the most accepted one (alongside Visa, you almost nowhere see only one of those two, usually bank contracts are in a such way that when you want to accept one, you basically get the other one for the same transaction fee without any further costs). In some areas you have to search quite hard for AmEx being accepted.

Why is that so? I remember that in the late 90s the shop I was working in stopped supporting AmEx because they raised transaction fees. Again. Also depending on the contract you had with your bank, I can remember that a few years ago AmEx costs for certain transaction price ranges common in pubs was 3 to 5 times as much as for Visa/Mastercard.

I have hardly any solid base for other countries in europe, let alone other continents, but it seems that in europe Amex is not much represented elsewhere either.


A lot of the other answers are recommending MasterCard, but actually, Visa holds the largest market share among card networks (49.3%) versus MasterCard's 30.8% or American Express's 9.2%. The difference is even more pronounced for debit cards with Visa holding a majority over MasterCard. American Express does not offer debit cards. (The analysis linked to is based on financial report filings at the end of 2013; older analysis from 2010 with similar conclusions here as well.)

In general, you'll find either Visa or MasterCard is accepted more widely than Amex, especially across Europe which you're interested in.

Anecdotally - at least from my experience in the UK - chain stores, restaurants, bars etc. are much more likely to accept American Express as they probably get larger transaction fee discounts on their merchant accounts.

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    I, for one, do not recommend anything but the OP asks about Mastercard vs. Amex and explicitly isn't asking about Visa (or, incidentally, market share). Stats are fine but reading the question is important too…
    – Relaxed
    Commented Mar 2, 2015 at 22:02
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    Your stats are for usage, not acceptance. As noted earlier, Visa & MC payments virtually always come as a package, and it's quite rare to see one accepted without the other. Commented Mar 2, 2015 at 22:11
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    Usage and acceptance are definitely correlated.
    – JoErNanO
    Commented Mar 2, 2015 at 22:21
  • The statistics are interesting but I agree with jpatokal - I don't know that marketshare is an important statistic here. I did some searches earlier in the day and didn't come up with any good acceptance figures, and was rather surprised at that - I would think one or the other of the major two would release that statistic to trumpet their prevalence, or Amex would if it were reasonably close.
    – Joe
    Commented Mar 2, 2015 at 23:49
  • @jpatokal Agreed, the stats are for usage. But in the absence of merchant account numbers / volumes, it's a useful metric to have since they are likely correlated. I didn't find any but there should be something in SEC filings on merchant numbers as well. Commented Mar 3, 2015 at 17:20

Basically, in Europe:

Visa = Mastercard >> AmEx


Most of the answers are already correctly responding to your question, but I'd like to chip in with my personal experience.

When I was living in Canada 3 years ago, Amex was supported by half businesses that were supporting credit card payments. The reasons behind it is that Amex charges higher fees to the businesses so they prefer to support other cards first. It is more likely to see Amex support in big hotels or places offering very pricey stuff, as the transaction ceilings are way higher.

I now live in France, and the same statement turns out to be true.

Travel-wise, the best tip I can give to a traveling couple is that one should have Visa, the other MasterCard. Unless you have a huge wallet, Amex will not be very useful to you.


I may relate to places where I travelled to or lived in.

Around the world, Visa > Master Card >> Amex. In many places they don't accept Amex at all.

In Europe:

  • Germany: they use Maestro circuit debit cards a lot. Those are really common, the next choice after cash.

  • France: they do accept "Maestro like" debit cards but they are not as common nor work as good. I could not get my Maestro card accepted by half the places (shops, gas stations...). Also, I could not pay their many toll highways if not with cash or VISA / Vanilla Master Card.

  • Italy: they accept Maestro and Maestro white label cards in a LOT of places, more often than where they accept credit cards. Italy got some seriously weird laws so carrying and paying with cash may be difficult. If you go with a Maestro card, check it's accepted by ATMs, they have some ATM circuits that don't take all the white labels, expecially in the south. VISA is accepted the most, Master Card tends to work but not all the varieties, make sure to have a the most standard Master Card possible. Amex is accepted in some hotels and restaurants and not elsewhere.

  • Spain: they accept Maestro expecially in the turistic locations. They also accept some common white labels. VISA and Mastercards are widely accepted expecially in the turistic locations. Amex is accepted at hotels and restaurants, I have talked with some shop owners and they all complained Amex charges more so they tend to not support it. Banks tend to give Master Card debit cards, Maestro is supported expecially because a lot of German tourists go to certain turistic places (in example: Canary Islands).


When it comes to creditcards, the existing answers already point out that Mastercard and Visa are the most commonly accepted cards in europe.

However, what should be noted is the following:

In Europe credit cards are not as widely accepted as in the US

If you want to spend your time shopping in big tourist centers, or renting cars, you should be fine with a creditcard. However, if you also want to pay in smaller stores, supermarkets, or restaurants, you may find that they do not accept credit cards.

If you don't specifically need a creditcard, but just want to pay things wherever you go in europe, the following is important to note:

Cash is the most commonly accepted payment method - after that, Maestro in the Netherlands/Germany but Visa/MC of any kind elsewhere

Maestro actually is not even offered at all outside of certain northern European countries (phased out entirely in France about 10 years ago for example).

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    It sounds like the situation in Germany or the Netherlands, not really everywhere in Europe. In France for example, I suspect Maestro cards do work everywhere but I don't think I ever came across any local with a Maestro-branded card or any shop that accept them but not Visa or Mastercard. But that's something to consider nonetheless (+1).
    – Relaxed
    Commented Mar 3, 2015 at 15:04
  • In the US, Maestro cards can't be used for purchases; they only work at ATMs. Commented Jan 21, 2016 at 19:33

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