
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
The dollar is one of the world’s most stable currencies and is the only currency accepted in the US. If you’re traveling to the states, you’ll have no problem using your credit card. Banks are common and ATMs are inside most corner stores as well.
Read on to find out which cards will work cheapest in the United States of America.
Our pick for travel credit card
American Express® Gold Card
Our pick for multi-currency debit card
TransferWise Borderless
Our pick for 0% transaction fee debit card
SoFi Money
You’ll find most Americans rely on their credit card or debit card to make purchases as much as cash. There are times when you’ll need to pay cash — if your buying a drink at a small bar or a hotdog from a food truck.
However, you’ll see that most merchants in American cities are set up to handle card, contactless and mobile payments.
Use a combination of travel money products which don’t charge for currency conversion and have low or no international ATM withdrawal fees. A travel card or debit card combined with a travel friendly credit card will give you a cost effective way to make both over the counter purchases and ATM withdrawals in the USA.
Compare travel money options and apply for a card you can use to spend for less in America to avoid throwing money at your bank while you’re visiting the United States of America.
America is a society of credit and any card you use will likely be accepted if the retailer can handle card payments. Contactless payment terminals are common at places like Walmart, Target, Kmart and other major retailers.
You can use any Mastercard or Visa branded debit card in the United States. The Visa or Mastercard exchange rate applies to foreign currency transactions. This rate is as close to the market rate you can get using a travel product overseas.
Although Visa, Mastercard and American Express are accepted everywhere, not all prepaid cards have your name printed on the front, which may cause the merchant to reject them. These instances may be limited to smaller shops. You may be better off using a credit or debit card instead.
Dollar bills can give you the impression your wallet is fatter than it actually is. And although you can get by using your card for most purchases, there are times when you’re going to need cash. The US has a culture of tipping, it’s a substitute for low wages. You’ll likely need cash to tip, especially if you’re at a bar, restaurant, club or hotel.
Traveler’s checks were once a staple for any overseas trip. In recent times, card acceptance and security have made these travel money products a burden.
Have you ever found yourself in the country with a wad of foreign cash? It can be all too easy to give a fifty instead of a five. Don’t get ripped off. Familiarize yourself with US currency before you leave.
![]() | ![]() | ![]() |
![]() | ![]() |
In addition to the standard $1 to $100 bills, America also has notes to cover larger denominations.
There’s an old saying first coined in the Reader’s Digest, once you’re finished packing your suitcase, take out half the clothes and take double the money. Ultimately, how you take your money is up to you. Someone couch-surfing in San Francisco will have a different budget to someone on a New York shopping holiday. All prices are in US dollars.
New York | Budget | Mid | Top |
---|---|---|---|
Accommodation | Hostel $30 to $60 per night | Hotel or motel $150 per night | 5-star hotel or luxury suite $350 per night |
Meals | Food truck $5 to $10 | Restaurant $20 to $40 | 5-Michelin star restaurant $50 a plate |
Activities | Free festivals year round in American cities | Guggenheim Museum $25 | Broadway Musical $200 to $800 |
*Prices are approximate and are subject to change.
While the USA is a pretty safe travel destination, accidents can happen anywhere. Don’t leave yourself with a large bill for out of pocket medical expenses.
Protect yourself financially with travel insurance. Travel insurance can cover you for:
Compare travel insurance policies
Back to topUsend combines money transfers, bill pay and mobile phone reloading.
Finder analyzes which payment methods Americans prefer to use during the global health pandemic, finding that cash is no longer king.
There are three Chase Mastercard credit cards, but all three are excellent options for frequent travelers.
Branch out by supporting these socially responsible businesses.
This virtual clinic has an innovative model that cuts down your waiting time — but it’s not for everyone.
Passbook accounts help immigrants in the US manage their money without paying bank fees.
You might need to quarantine if you’re visiting one of the many states recommending it for out-of-state travelers.
Manage your international finances with free transfers to HSBC customers.
This digital checking account teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app.
Learn how this high-interest account can boost your savings goals.