Lyla Lindsey
Belize is a relatively expensive country to visit in Central America, with costs comparable to Costa Rica. The Belize dollar is the official currency, with most businesses accepting both Belize dollars and US dollars. While some sources suggest that Belizean banks and ATMs can be unreliable, most agree that major credit cards are accepted across the country, especially in larger hotels, restaurants and shops.
| Characteristics | Values |
|---|---|
| Credit cards accepted in Belize | Yes, most major credit cards are accepted in Belize, although MasterCard and Visa are more widely accepted than American Express. |
| Credit cards accepted in Belize resorts | Yes, larger hotels, restaurants, and shops typically accept Visa and MasterCard. Certain places accept American Express (AmEx). |
| Credit cards accepted in ATMs | Yes, ATMs are available in most major towns and cities and will typically accept Visa, MasterCard, Plus, and Cirrus cards. |
| Credit cards accepted in tour agencies | Yes, many tour companies accept payment by card, although some offer discounts for cash payments. |
| Credit cards accepted in taxis | No |
| Credit cards accepted in local restaurants | Yes, some restaurants (usually bigger ones) will accept credit cards. |
| Credit cards accepted in shops | Yes, most stores will accept credit cards. |
| Credit cards accepted in street vendors | Unlikely |
What You'll Learn
Belize resorts that accept credit cards
Belize is a relatively expensive country to visit in Central America, with costs comparable to Costa Rica. The official currency is the Belize dollar (BZ$), which is typically worth around half a US dollar. US dollars are widely accepted in Belize, and many businesses list their prices in US dollars.
Most major credit cards are accepted in Belize, although smaller establishments may only take cash. MasterCard and Visa are the most widely accepted, followed by American Express. Diners Club and Discover are rarely accepted.
- Pelican Reef Villas Resort
- Mystic River Resort
- Weezie's Ocean Front Hotel and Garden Cottages
- Laru Beya Resort & Villas
- Caribbean Villas Hotel
- Xanadu Island Resort
- Belizean Shores Resort
- Sea Dreams Hotel
- Ocean Tide Beach Resort
- Alan's Paradise Hotel
- Royal Caribbean Resort
- Mahogany Hall Boutique Resort
- Mayan Princess Hotel
- Cahal Pech Village Resort
- Banana's On The Beach
- Seven Seas Resort
- Mata Rocks Resort
- Robert's Grove Peninsula Resort
- Corona del Mar Hotel & Apartments
- Ramada By Wyndham Belize City Princess Hotel
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Credit card fees at resorts
Credit cards are gaining popularity in Belize and are widely accepted at major hotels, restaurants, and shops in tourist areas. However, smaller establishments, such as street vendors and boutique shops, may only accept cash. Of the major credit cards, American Express (AmEx) is accepted at certain places, but Discover and Diners Club are rarely accepted due to their high merchant fees.
When using a credit card in Belize, it is important to be aware of potential fees and surcharges. Some establishments may include a 2-5% surcharge for credit card usage, and many banks assess a 1-3% "transaction fee" on foreign transactions. Additionally, using a credit card to obtain a cash advance from a bank or ATM can incur high fees and interest charges.
To avoid unexpected fees, it is recommended to carry multiple forms of payment, including cash and different credit cards. US dollars are widely accepted in Belize, and smaller denominations are preferred for paying taxis, meals, and tips. ATMs are available in major towns and tourist areas, but they may charge fees and have withdrawal limits. It is also important to notify your bank and credit card company before travelling to avoid any issues with foreign transactions.
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Cash vs credit cards
When travelling to Belize, it is advisable to bring a mix of cash and credit cards. The Belize dollar (BZ$) is the official currency, but US dollars are also widely accepted.
Cash
Using cash is a good idea for smaller establishments, which may only take Belize dollars. It is also useful for taxis, small purchases, and tips. ATMs are available in most major towns and cities, and dispense Belize dollars. However, some ATMs may charge a fee and enforce a withdrawal limit.
Credit Cards
Most major credit cards are accepted in Belize, although Visa and MasterCard are more widely accepted than American Express, especially by smaller businesses. Credit cards are useful for larger hotels, restaurants, and shops. However, some establishments may include a surcharge for credit card use, and it is advisable to notify your credit card company before travelling abroad.
Traveller's Cheques
Traveller's cheques are accepted at many hotels and banks in Belize, but they are less common than cash or credit cards. AMEX traveller's cheques can be converted to BZ$ at banks, but they are not typically used in restaurants or shops.
Both cash and credit cards have their advantages and disadvantages when travelling to Belize. Cash is widely accepted, but can be bulky and insecure. Credit cards are convenient and secure, but may incur additional fees and charges. Traveller's cheques are a less popular option, but can be useful as a backup. Therefore, it is advisable to carry a mix of cash and credit cards when travelling to Belize, to ensure you are prepared for various situations.
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Accepted credit cards
Credit cards are widely accepted in Belize, with most major credit cards being usable in the country. However, there are some differences in acceptance depending on the card issuer.
MasterCard and Visa are the most commonly accepted cards, with American Express being taken in fewer places, especially smaller hotels, restaurants, and tour operators. Diners Club and Discover are rarely accepted.
Some establishments will add a surcharge of 2-5% for credit card payments, and credit card companies may also charge a 1-3% transaction fee for foreign transactions.
It is recommended to carry multiple cards, as some cards may not work for various reasons.
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ATM access
While Belize is not a cheap destination, it offers a memorable experience with its tranquil beaches and ancient artefacts.
ATMs are available in most major towns and cities in Belize, including Belize City, San Pedro, Caye Caulker, Placencia, Punta Gorda, San Ignacio, Belmopan, Dangriga, and Corozal Town. They are usually located in banks, with the country's four banks—Belize Bank, Atlantic Bank, Heritage Bank, and National Bank of Belize—providing ATM access. Additionally, credit unions like the Holy Redeemer Credit Union also offer ATM services.
It is important to note that only certain banks, such as Atlantic Bank and Belize Bank, allow out-of-town visitors to use their international Visa or MasterCard credit or debit cards. These ATMs are clearly labelled with the Plus or Cirrus logos, and they allow withdrawals of up to BZ $1,000 (US $500) per day.
ATMs in Belize dispense cash only in Belize dollars (BZ$), and they typically accept Visa and MasterCard, Plus, and Cirrus cards. It is recommended to change your PIN to a four-digit number before your trip, as some ATMs in Belize only accept four-digit PINs.
While ATMs are a convenient way to obtain local currency, be aware that some may charge a fee for each withdrawal and enforce a daily withdrawal limit, typically around BZ $500. Banks that are part of the Global ATM Alliance, such as Bank of America, Deutsche Bank, Barclays, BNP Paribas, and Scotiabank, do not charge a fee for cash withdrawals at other alliance members' ATMs.
The ATM Cave
Belize is also home to the famous ATM Cave, known as Actun Tunichil Muknal or "Cave of the Stone Sepulcher". This sacred site, located in the Tapir Mountain Nature Reserve in Western Belize, offers a unique adventure with its ancient artefacts, stalactites, and the "Crystal Maiden" skeleton. Visitors can embark on a guided tour, which includes swimming, spelunking, and exploring this mystical cave.
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Frequently asked questions
Yes, most major credit cards are accepted in Belize resorts. Visa and Mastercard are widely accepted, while American Express may be accepted in larger resorts.
It is recommended to notify your credit card company before travelling abroad to avoid any suspicious activity flags.
Some establishments may include a 2-5% surcharge for credit card usage. Additionally, some banks may assess a 1-3% transaction fee for foreign transactions.
Credit cards are accepted in most tourist-oriented businesses, larger hotels, restaurants, and shops. However, cash is always accepted and may be preferred in smaller establishments or for tours, where discounts are sometimes offered for cash payments.
Debit cards may not be accepted in all locations, but they can be used to withdraw cash from ATMs.
