Debit or credit?

Question

Hi there! Im from the Netherlands and can only use a debit card. Can you reliably use debit cards in and around Boston? I will be having cash on hand aswell. Thanks!

Answer

Yes, you can reliably use debit cards in and around Boston, as most businesses accept major debit cards (like those linked to Visa or Mastercard). However, there are a few things to keep in mind when using your debit card during your trip:

Widespread Acceptance: Most hotels, restaurants, stores, and attractions in Boston accept debit cards, especially if they are affiliated with Visa, Mastercard, or American Express. You should have no trouble using your debit card for most purchases in the city.
ATMs: If you need cash, there are plenty of ATMs throughout the city, and you can withdraw money using your debit card. Keep in mind that some ATMs may charge a small fee if you are using a foreign debit card.
Some Businesses May Require a Credit Card: A few places (like car rentals or certain hotels) may require a credit card for deposits or reservations, so make sure your debit card has the same capabilities if you plan to rent a car or reserve a room. It's always a good idea to confirm with the business beforehand.
Check for Foreign Transaction Fees: Some banks may charge a foreign transaction fee when using a debit card internationally. Be sure to check with your bank in advance to understand any potential fees or restrictions on foreign debit card usage.
PIN vs Signature: In some places, you may be asked to provide a PIN for debit card transactions, while in others, you may be asked for a signature. Make sure you have your PIN ready for any debit card purchases requiring it.

In addition to your debit card, it's wise to carry some cash for small purchases or places that may not accept cards, though cash is becoming less common in many businesses. Using a combination of your debit card and cash should give you flexibility during your trip.

Overall, Boston is a very card-friendly city, and you'll have no trouble using your debit card for most transactions. Enjoy your trip!