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  1. Jul 9, 2024 · Credit cards have obvious (and some not obvious) advantages and disadvantages. Here’s a quick list to help you decide whether you’d prefer to use or not use a credit card while spending money in Costa Rica: Advantages. Credit cards are light and easy to carry; Credit cards can be a source of attractive travel points/miles/rewards

  2. Occasionally, a merchant in Costa Rica will accept credit or debit cards but tell you that there is an extra 3-5% charge for using one. This covers the merchant’s processing fees; the fees the bank charges them on each transaction. This is not that common but can happen, especially with smaller stores and operators. Using ATMs in Costa Rica

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  3. Mar 14, 2024 · Are Credit Cards Accepted in Costa Rica? Costa Rica is a card-friendly nation. Most establishments, especially in San Jose and other large cities like Puerto Limon, Liberia, and Guanacaste, accept credit and debit cards.

  4. ATM machines are available in most towns. You will have to contact your bank in advance as most ATM cards are not set up for foreign transactions. Similar to credit cards, there is a chance you could be charged a foreign transaction fee. Many small stores (pulparias) and small restaurants (sodas) do not accept credit cards.

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  6. One reason we like to pay cash is our credit card charges 3% international transaction fee versus our bank with 1% fee. Bank/credit card fees are totally dependent on YOUR cards, so know before you go. We use Banco Nacional ATM's because they have no ATM fees. In touristy areas, restaurants and grocery stores accept credit cards.

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