Money

Except for truly deluxe experiences (and for cab fares), you will find moderate prices in Philadelphia: less than those in New York and on a par with those in Boston or Washington, D.C.

Credit cards are widely accepted. Notable cash-only exceptions include mom-and-pop BYOB restaurants and famously casual cheesesteak stands. ATMs linked to national networks are strewn around the airport, tourist destinations, major streets, and increasingly within hotels. Fee-free machines can be found in Wawa convenience stores.

ATMs

Nationwide, the easiest and best way to get cash away from home is from an ATM (automated teller machine), sometimes referred to as a "cash machine," "cashpoint," or, in Philly, "MAC" (for money access center). The Cirrus (tel. 800/424-7787; www.mastercard.com) and PLUS (tel. 800/843-7587; www.visa.com) networks span the country; you can find them even in remote regions. Look at the back of your bankcard to see which network you're on, then call or check online for ATM locations at your destination. Be sure you know your personal identification number (PIN) and daily withdrawal limit before you depart. Note: Remember that many banks impose a fee every time you use a card at another bank's ATM, and that fee can be higher for international transactions (up to $5 or more) than for domestic ones (where they're rarely more than $2). In addition, the bank from which you withdraw cash may charge its own fee. To compare banks' ATM fees within the U.S., go to www.bankrate.com (click on "Compare Rates" and search under your type of bank account). For international withdrawal fees, ask your bank.

Credit Cards & Debit Cards

Credit cards are the most widely used form of payment in the United States: Visa (Barclaycard in Britain), MasterCard (EuroCard in Europe, Access in Britain, Chargex in Canada), American Express, Diners Club, and Discover. They also provide a convenient record of all your expenses, and they generally offer relatively good exchange rates. You can withdraw cash advances from your credit cards at banks or ATMs, provided you know your PIN.

Visitors from outside the U.S. should inquire whether their bank assesses a 1% to 3% fee on charges incurred abroad.

It's highly recommended that you travel with at least one major credit card. You must have one to rent a car, and hotels and airlines usually require a credit card imprint as a deposit against expenses.

ATM cards with major credit card backing, known as debit cards, are now a commonly acceptable form of payment in most stores and restaurants. Debit cards draw money directly from your checking account. Some stores enable you to receive "cash back" on your debit-card purchases as well. The same is true at most U.S. post offices.

Traveler's Checks

Traveler's checks are widely accepted in Philadelphia's larger hotels, restaurants, and shops. Still, foreign visitors should make sure that the checks are denominated in U.S. dollars; foreign-currency checks are difficult to exchange.

You can buy traveler's checks at most banks. Most are offered in denominations of $20, $50, $100, $500, and sometimes $1,000. Generally, you'll pay a service charge ranging from 1% to 4%.

The most popular traveler's checks are offered by American Express (tel. 800/807-6233, or 800/221-7282 for card holders -- this number accepts collect calls, offers service in several foreign languages, and exempts Amex gold and platinum cardholders from the 1% fee); Visa (tel. 800/732-1322) -- AAA members can obtain Visa checks for a $9.95 fee (for checks up to $1,500) at most AAA offices or by calling tel. 866/339-3378; and MasterCard (tel. 800/223-9920).

If you do choose to carry traveler's checks, keep a record of their serial numbers separate from your checks in the event that they are stolen or lost. You'll get a refund faster if you know the numbers.