The most widely accepted credit cards in Honduras are the major international brands such as Visa, Mastercard and American Express. However, it's important to keep in mind that some establishments may charge an additional fee for the use of credit cards or impose a purchase limit.
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Credit cards are widely accepted. ATMs are available in the major towns. It is safer to change money in hotels or at banks. Check ATMs for evidence of tampering, although affected machines may not be easy to spot.
Exchange rate. You can exchange dollars and euros, to a lesser extent, in some stores (banks and hotels receive both currencies). You can use your Visa, Master Card and American Express credit cards in many places, and there are ATM networks with ample national coverage.
ATMs are the most common way for travelers to exchange money in Honduras, and most cities have multiple banks with ATMs, many of them operating 24 hours. BAC, Unibanc, and Banco Atlántida are the most reliable and are compatible with a variety of networks, including Cirrus, PLUS, Visa, and MasterCard.
Honduras - Level 3: Reconsider Travel. Reissued with obsolete COVID-19 page links removed. Reconsider travel to Honduras due to crime and kidnapping. Some areas have increased risk.
Currency in RoatanThe Lempira is the official currency of Honduras but US dollars accepted throughout Roatan and can be used in most parts of the island. Credit Cards can also be used in larger stores and restaurants, but not all.
While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.
Generally, Mastercard credit cards are more widely accepted internationally, while Visa cards tend to offer more benefits. But for most consumers, there is no practical difference between Visa and Mastercard. You should only worry about whether to get a Visa or Mastercard if you're torn between two offers.