Is American Express Accepted in Hong Kong? Convenience, Tips, & Reality
As someone whose first credit card was an American Express, it has sat comfortably at the forefront of the inside of my wallet ever since. The fact that over 99% of merchants in the United States accept Amex, along with the unparalleled travel perks (and points), stellar customer service, and exclusive access to lounges and other experiences definitely contributed to this as well.
However, after moving back to Hong Kong in 2020, I learned that one of the most recognizable credit card brands in the world actually might need to take a back seat in my wallet due to the lack of acceptance at restaurants, cafes, shops, and other establishments.
While American Express has enjoyed a presence in Hong Kong for several decades now, even offering dedicated personal, corporate, and branded Amex cards tailored to Hong Kong residents, I estimate that less than 50% of all merchants in Hong Kong accept American Express.
While most major mid-range and fine-dining restaurants, hotels, department stores, shopping malls, and bars in Hong Kong accept American Express, it still hasn’t achieved credit card ubiquity amongst businesses like Visa and Mastercard.
Below, I’ll provide a breakdown of the common spots that accept American Express in Hong Kong along with where it definitely is not accepted.
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