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At present, the following credit cards are accepted in China: Master Card, Federal Card, Visa, American Express, JCB, and Diners Card. Cardholders can withdraw cash from the bank of China and pay for purchases at exchange centers of the bank of China, appointed shops, hotels, and restaurants.
However, this applies only in major cities and they are not always accepted in remote areas. Credit cards are not always accepted for the purchase of rail and air tickets.
ATMS that accept foreign cards are few and far between. But In some larger cities such as Beijing or Shanghai, there are many ATMs accepting foreign bank cards in major shopping centers and international hotels. These ATMs will have signage that states only foreign cards can be used. Therefore, do not rely on ATMs as way of obtaining cash in mainland China.
All ATMs will remit RMB (Chinese currency) notes. Remember that if you want to exchange your RMB back to your home currency on the way out (e.g. at the airport), you’ll need to keep the ATM or bank receipt otherwise the exchange won’t be accepted.
Travelers' checks are arguably the safest way to carry cash around but not necessarily the most convenient. Supposing only the Bank of China allows to exchange the checks and there will be a lengthy process behind it.
Consult with your bank before departing to make sure that your brand of cheque or credit card will be accepted.
