Do american pre-paid credit cards or normal debit or credit cards work in Canada?

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CanTexan

Any credit card will work in Canada as well as it does in the US. There are two major differences compared to shopping in the US, though:
- 1 - In addition to the actual price listed on the object, you'll also be paying Canadian sales tax (which can be up to 17 percent). You DO have to pay it when you buy ... as a non-resident, you can submit infomation back to Canada after you return to reclaim the taxes you've paid.
- 2 - You'll be charged in Canadian currency - which today means you're paying about 3 cents more per dollar ($1.00 CAD = $1.025 US), PLUS a currency conversion fee of that is typically around 3 pecent of the transaction (after all taxes are paid).

Your debit card works the same way ... but there are additional fees involved. There's the one you get hit with for taking money out (the "it's not my bank, so I'll pay you for checking that I have money elsewhere" fee) and the one from your own bank (the "why didn't you use OUR inconveniently-located ATMs" fee). You'll also get the currency conversion fee charged by your bank ... usually at the same rate as the credit card fees of 3 percent.

Although there are several ATMs in most areas, I'd strongly suggest using one associated with a Canadian bank (Royal Bank, Scotiabank, Bank of Montreal, and Toronto Dominion are good examples), rather than the unregulated "Joe Who" ATMs found in bars, etc. This is mainly because the fees charged for using the ATM itself will be lower, as will the currency conversion fee, which will save you money in the long run.

carmen m

yes and everywhere

Ray-Rae

Yes, they work here. You can also use your back card to take money out of an ATM.

kent_shakespear

yes, as the others say.

If you're using an ATM to take out money, use the Royal Bank of Canada (RBC)- they don't charge an extra fee.

dreamcatchermwhk

Your credit card will work fine, and take note of other post explaining fees and exchange, however your American Bank card (debit card) will only work in ATM's featuring the cirrus or interac symbol, which is virtually every atm in Canada. Point of sale purchases at stores with your U.S. bank card will not work if your bank has no Canadian branches unless the card is linked to Visa or Mastercard at your bank.

nbr660

Yes you'll have no problems at all.

Time to live

We will take your money any way we can get it. We have most of the same credit card companies in Canada that you do in the States. Visa and Mastercard are great. Also your ATM card works up here, but try to take out enough money to last you a few days because it is expensive to use your atm card at a bank other than your own.

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