Do You Need Cash in New York City?

Short answer: No, not much. You’ll mainly need cash for tipping and emergencies.

Credit cards, debit cards and contactless payments are accepted almost everywhere tourists are likely to go.

Still, I wouldn’t travel with zero cash. A small amount is useful for tips, small purchases and emergencies.

For most visitors, carrying $40–$60 per person at a time is plenty. You can always withdraw more if you actually need it.

I’d mostly keep:

You don’t need to carry hundreds of dollars.

Tips: You can tip by card in restaurants and taxis, but cash is convenient for hotel staff, tour guides and other small tips.

Small purchases: Most businesses accept cards, but cash is useful for the occasional cash-only vendor.

Emergencies: Keeping some cash gives you a backup if your card or phone isn’t working.

I’d avoid them.

Although $100 bills are valid U.S. currency, many small businesses may not accept them.

NYC’s cashless-business rules allow businesses to refuse denominations above $20.

If you’re getting cash for your trip, ask for $1s, $5s, $10s and $20s.

Get them broken before you need them. A bank is the easiest option.

Your hotel may also be able to help, but don’t rely on a small shop or café to break a $100 bill.

You don’t need to arrive with lots of U.S. cash.

Bring a small amount in smaller denominations if you already have dollars. If you need more, use an ATM in NYC.

I’d also avoid exchanging a large amount of foreign currency at the airport.

My Recommendation