Is American Express (Amex) accepted in Lithuania?

04 Apr 2023

Yes, American Express cards are accepted in Lithuania. If your primary card is issued by American Express, carrying cash or another bank card as a backup is even more important. Furthermore, merchants may charge a surcharge for Amex payments.

American Express Credit Cards offer personalized perks and rewards to help you get the most out of your money. American Express strives to make you experience the things you enjoy. An American Express Credit Card entitles you to luxurious shopping, dining, and travel benefits, among other things. The American Express Credit Card is an excellent way to manage your expenses while providing you with the necessary premium lifestyle.

How Does an American Express Card Work in Lithuania?

Credit Offered

American Express Lithuania extends a credit offer when a customer applies for a card. American Express provides the credit line directly rather than through a bank or other financial institution. The company has several American Express card programs, some with low or no fees and others with unique rewards like airline miles and cash back.

Charges Made

When a customer uses an Amex card to purchase in Lithuania, the store or company that makes the purchase sends the transaction directly to American Express. American Express reimburses the store for the amount the customer spent, less any processing fees. The charge is routed to the bank by most other card services, which then reimburses the store for the service or merchandise.

Payments

Customers make a direct payment to American Express after making a charge. Most of the company's card types offer a grace period during which no fees or interest; however, they are added to the bill. Unlike most other credit card companies, American Express bills and collects directly from the customer rather than through a bank or financial institution. Furthermore, American Express generally has higher minimum payment requirements than other credit card companies, ensuring the balance is paid off fairly quickly.

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