Are credit cards widely accepted?

Major cities like Hanoi and Ho Chi Minh City accept credit card (Visa, MasterCard, JCB, American Express) payments in upmarket establishments intended for the tourist market, such as high-end restaurants and mid-level or above hotels. Credit card payments are likely to attract a surcharge of 3.5% or more. Make sure to travel with enough cash when traveling outside the major cities. Additionally, there is the option to carry travelers’ cheques which can easily be converted to cash in any decent size city.