We put almost everything on a credit card. We bring some cash for tips and the casino, which is minimal. Occasionally we may have to use cash for purchases at places that don't accept credit cards. We do not get charged for fraudulent activity nor are there any foreign exchange fees. Like Jackie said, it's a great way to add travel points too. As Aruba4ever stated, once cash is gone it's gone. For us the use of a credit card is a matter of security, convenience and reward points.