Credit Cards

Take your major credit cards, such as, Visa, Master Card and American Express.

Make sure they are really credit cards and not just debit cards with a credit card company’s logo on them. Many locations require a credit card and will not accept a debit card, so they may have limited use on your travel.

Leave all your local store credit cards in a secure location at home; there will be no need to carry them all with you.

ATM Card

You’ll have access to cash during your trip so you won’t have to take as much cash with you and using your ATM card can also be a good way to get cash in foreign countries.

You should exchange at the bank’s wholesale exchange rate. You may still want to shop around to different banks since some will charge a high usage fee for their ATMs. Although, even high ATM fees may be less than others will charge for currency exchanges.

Don't wait until you're out of money to go to an ATM, the machines can run out of money or break down.