It is not necessary to have a credit card to go to Mexico. You don’t have to apply for one. Having a credit card is convenient but not required when traveling to Mexico. Credit cards can be used to pay for hotels, car rentals, shopping and dining, and can provide a certain amount of financial protection in emergencies. If you are unwilling or unable to apply for a credit card, you can still pay with cash or debit card without applying for a credit card.