Best Credit Card in Rwanda: Cash or Card?

Yes, you can use credit cards in Rwanda, but cash is still preferred in many situations. Here’s what you need to know:

1. Credit Card Usage in Rwanda

Major hotels, upscale restaurants, supermarkets, and shopping malls in Kigali and other major cities accept credit cards.

Visa and Mastercard are the most widely accepted, while American Express and Discover have limited use.

Some businesses may charge a small transaction fee for card payments.

2. When Cash is Preferred

Local markets, small businesses, and rural areas primarily deal in cash.

Public transport and smaller restaurants may not accept cards.

ATMs are widely available in cities, making it easy to withdraw Rwandan francs when needed.

3. Best Credit Card in Rwanda for Travelers

Look for a card with no foreign transaction fees to save on costs.

Cards with travel rewards or cashback on international spending can be beneficial.

Some banks in Rwanda, like Bank of Kigali and Equity Bank, offer great local credit card options.

4. Alternative Payment Methods

Mobile payments (MTN Mobile Money, Airtel Money) are popular for local transactions.

Contactless payments are growing in Rwanda, especially in major retail stores.

While you can use a credit card in Rwanda for most major transactions, always carry some cash for smaller purchases and in remote areas. If you're a traveler, consider applying for the best credit card in Rwanda that offers global acceptance, travel perks, and low fees for a seamless experience.

Before you go, don’t forget to apply for your Rwanda eVisa to ensure a hassle-free entry into the country. Start your application today and enjoy a smooth trip!

Best Credit Card in Rwanda for Travelers & Locals