Paying by credit card in the Dominican Republic Small shops, gift shops, and bars often accept cash only. For card payments without exchange fees, or for withdrawals at the best exchange rates and at much lower fees than traditional banks, we highly recommend using Wise.

In 2026, the best strategy for the Dominican Republic is a "hybrid" approach, though credit cards are increasingly dominant in tourist areas. Major resorts, upscale restaurants, and modern supermarkets in hubs like Punta Cana or Santo Domingo widely accept Visa and Mastercard, and using a "no-foreign-transaction-fee" card is the most high-value way to pay. However, cash (Dominican Pesos) remains essential for local experiences: taxis, street vendors, small beach bars, and public transport are strictly "cash only." For 2026 travelers, it is a "pro-tip" to keep about 5,000 to 10,000 Pesos on hand for these smaller expenses. Be cautious with ATMs; in 2026, "skimming" remains a risk, so only use machines located inside banks or major hotels. Also, remember that while U.S. Dollars are often accepted, the exchange rate offered by local vendors is usually very poor, making the use of local currency far more cost-effective for everyday purchases.