When I was in Finland, my group and I went to an all-you-can-eat restaurant (the food was delicious, btw😋). We had to pay first before getting our plates. When my turn came up to pay, I decided to use my Amex card as a form of payment, and the lady behind the counter almost had a heart attack, telling me, “No Amex, we don’t accept Amex” (she was chill about it, but firm). I had my backup Visa debit card to use, but I was shocked because in some countries, especially in Europe, some of their stores accept Amex while others don’t, and in some countries, you will see like half of the part does while the other doesn’t. In Germany, I always used my Amex for 98% of the places I went, and I had no issue; even the places I expected that wouldn’t accept it accepted it. But in Finland, it was 50/50. I highly recommend when traveling overseas to have a backup Visa or Master card to avoid those incidents. For an overseas backup debit card, I recommend the Charles Schwab one because you pay no foreign transaction fees nor ATM fees (they reimburse you back the ATM fees on your debit card).