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Frommer's lists exact prices in the local currency. However, rates fluctuate, so before departing consult a currency exchange website such as www.oanda.com/currency/converter to check up-to-the-minute rates.

Anyone who travels to the nation's capital expecting bargains is in for a rude awakening, especially when it comes to lodging. Less expensive than New York and London, Washington, D.C.'s average daily hotel rates (according to most recent statistics) range from a low of $151 per room per night in August, to a hefty high of $274 per room per night in January, reflecting the city's popularity as a top destination among U.S. travelers. D.C.'s restaurant scene is rather more egalitarian: heavy on the fine, top-dollar establishments, where you can easily spend $100 per person, but with plenty of excellent bistros and small restaurants offering great eats at lower prices. When it comes to attractions, though, the nation's capital has the rest of the world beat, since most of its museums and tourist sites offer free admission.

In Washington, D.C., ATMs are ubiquitous, in locations ranging from the National Gallery of Art's gift shop, to Union Station, to grocery stores. MasterCard's (tel. 800/424-7787; www.mastercard.com) Maestro and Cirrus, and Visa's (tel. 800/336-3386; www.visa.com) PLUS networks operate in D.C., as they do across the country. Go to your bank card's website or call one of your branches to find ATM locations in Washington. Be sure you know your personal identification number (PIN) and daily withdrawal limit before you depart. If your PIN is five or six digits, you should obtain a four-digit PIN from your local bank before you leave home, since the four-digit PINs are what most ATMs in Washington accept.

Note: Many banks impose a fee every time you use a card at another bank's ATM, and that fee is often higher for international transactions (up to $5 or more) than for domestic ones (where they're rarely more than $2).

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. Beware of hidden credit card fees while traveling. Check with your credit or debit card issuer to see what fees, if any, will be charged for overseas transactions. Recent reform legislation in the U.S., for example, has curbed some exploitative lending practices. But many banks have responded by increasing fees in other areas, including fees for customers who use credit and debit cards while out of the country -- even if those charges were made in U.S. dollars. Fees can amount to 3% or more of the purchase price. Check with your bank before departing to avoid any surprise charges on your statement.

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.

For help with currency conversions, tip calculations, and more, download Frommer's convenient Travel Tools app for your mobile device. Go to www.frommers.com/go/mobile and click on the Travel Tools icon.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.