Whenever I take an international trip, the cards in my wallet are different from the everyday setup. To be on the safe side, I recommend investing in a wallet that has RFID protection so your card doesn't get skimmed on the street.
Since international merchants can often be unpredictable, my wallet consists of:
- Fee-free ATM/debit card
- American Express
On my most recent trip to Europe, I carried two separate wallets in case one got lost or pick-pocketed.
Be sure to keep them in separate places at all times, so if you lose one, you won't be out of luck. I recommend a similar card setup that has one card from each payment processor to be on the safe side.
The first wallet has the same cards from the August video: Chase Sapphire Reserve (Visa), Citi AA Mastercard, Amex Hilton Ascend, and an ATM card.
In the secondary wallet, I had the Chase Hyatt, Citi Prestige, Amex Platinum, Priority Pass card, and an ATM card. The difference with this card setup is that they are plastic cards in case some card readers don't accept metal, and similar to above, all of the cards do not have foreign transaction fees.
In Copenhagen, I noticed that roughly 30% of merchants accepted American Express. If you use a US issued credit card, you'll likely be charged the merchant fees which can range from 1-3%. Also, since US cards do not have a PIN, you'll need to sign a receipt for each transaction.
Based on my experience, most places in Copenhagen are leaning towards a card only society. Most merchants prefer credit card, and I didn't need to withdraw any cash at all during my trip.
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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