Help T-money card or Capital one card?

Question

So I have a cashback Capital One card. It's not a travel card. But it does have some potential travel benefits on it. It's still a credit card with high interest. So that's the downside. Should I just withdraw a couple thousand from my bank and put it on a tmoney card in K-won when I get to Incheon Int airport? What's the consensus?

stephania · Answer

honestly i'd go mostly cash for daily stuff, t-money is a must for transit but i'd load like 10,000 won at first, you can always add more at any convenience store. capital one is fine for bigger purchases but some places in older neighborhoods or markets might give u a weird look, cash is king there

adelina · Answer

capital one is fine for most places here, just be aware some smaller shops or markets might not take it. i'd pull out maybe 100,000 won at the airport atm for backup, the exchange rate is decent enough. t-money is essential for subway and bus, just load like 20,000 won to start, you can top up at any gs25 or 7-eleven. honestly using cash for street food and convenience store snacks is easier than swiping a card for 2,000 won items

iris · Answer

Just use your Capital One card for most things, it works fine here with no foreign transaction fees. Put maybe 50,000 won on a T-money card for buses and subway when you land, you can reload it at any convenience store.

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