Credit Cards in Cusco: What You Should Know Before Traveling

Cusco is a highly touristic city, which means all credit cards are accepted, with Visa and MasterCard being the most common. Access to credit cards has significantly improved in recent years, both for residents and visitors.

ATM machines are now generally considered one of the best ways to withdraw money throughout Cusco, including the Sacred Valley and Machu Picchu. You can withdraw either US dollars or the local currency (Peruvian soles). It is recommended to carry US dollars to avoid extra fees. Keep in mind that bank hours are Monday to Friday from 9:00 a.m. to 6:00 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m.; banks are closed on Sundays. Banks usually offer the lowest exchange rates.

Don’t forget that authorized agencies usually have platforms that accept various payment methods such as Visa, MasterCard, Diners Club, and PayPal.

Using Credit Cards in Cusco

In Cusco, it is easy to find ATMs from banks like BCP, BBVA, Interbank, and Scotiabank, especially in central areas like Avenida El Sol. This makes it convenient to withdraw cash whenever needed.

Although credit cards are widely accepted in hotels, restaurants, and tourist-oriented shops, many local markets and small businesses only accept cash. If you plan to explore local culture, it’s recommended to carry some cash to avoid inconvenience.

Using credit cards to plan and book a trip from Cusco to Machu Picchu is quite accessible, although it’s important to consider some specifics to avoid problems.

Where to Find ATMs

In the imperial city of Cusco, cash withdrawals are available 24/7 thanks to the availability of ATMs.

Several banks operate ATMs in the city, providing continuous access to cash for visitors. Some of the banks with ATMs in Cusco include:

• Banco de Crédito del Perú (BCP): Has multiple ATMs in strategic locations. The most central and accessible is at Av. El Sol 189.
• BBVA: Offers ATMs at various locations, including one at Av. El Sol 125.
• Interbank: Has a branch with an ATM at Av. El Sol 380.
• Scotiabank: Its ATM is located at Av. El Sol 316.

Buying Machu Picchu Tickets with a Card

To fully enjoy your stay in Cusco, it’s advisable to always carry some cash, as not all services accept cards.

For example, authorized agencies usually have platforms that accept various payment methods such as Visa, MasterCard, Diners Club, and PayPal. As for transportation, train tickets with companies like Peru Rail and IncaRail can be purchased online using credit or debit cards. Additionally, buses from Aguas Calientes to Machu Picchu accept card payments both online and in town.

However, the official website of the Ministry of Culture only accepts Visa cards affiliated with the Visa Secure system. If your card is not registered, the payment will likely be declined, as this system is designed to protect cardholders from fraud.

Can I Pay for Guide Services and Tours with a Card?

Yes, you can pay for guide services and tours with a card. Many agencies allow online bookings and payments using Visa, MasterCard, American Express, Diners Club, or even PayPal.

Regarding accommodation, in Cusco and Aguas Calientes, mid-range and upscale hotels and restaurants accept credit cards, with Visa and MasterCard being the most common.

Additional Recommendations

• Cash: It is advisable to carry cash in Peruvian soles for small expenses such as purchases at local markets, small restaurants, or services in establishments that don’t accept cards.
• Fees: Some establishments may apply an additional fee for card payments. Check this before paying. Notify your bank: Inform your bank about your trip to avoid card blocks due to suspicious activity.
• Security: Use ATMs located in safe areas and avoid withdrawing money at night.

Although credit cards are widely accepted along the route from Cusco to Machu Picchu, it’s important to check payment options at each establishment and carry cash for places where cards are not accepted. In summary, having a credit card makes trip planning and execution easier, but carrying cash remains an essential precaution.