We prefer to use cash for daily purchases and credit cards for hotels or bigger ticket items. Both our debit card and our credit cards are without fees (auto rebate of atm fees on debit) and we have not had a problem in finding an atm yet. We haven't had the negative reaction the previous poster did with using cash and we have been doing so extensively for the last 4 years. Just do whichever works best for you - it will be easier than you think!