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Atlanta is a reasonably priced city, whether you live there or just visit. While there are plenty of high-dollar hotels and restaurants for those who don't mind spending money, there are an equal number of options for the more money-conscious spenders. On average, a standard hotel room will run about $120 a night, though rates vary depending on the day of the week and any special events in town. Taxis and public transportation costs are in line with other metro areas and when it comes to shopping, well, the sky's the limit.

The most widely used form of payment in the United States is credit cards: Visa (Barclaycard in Britain), MasterCard (EuroCard in Europe, Access in Britain, Chargex in Canada), American Express, Diners Club, and Discover. Nearly every store, hotel, and restaurant in the city will accept all major credit cards and bank debit cards. 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. Credit cards 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.

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" or "cashpoint." 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 bank card to see which network you're in; 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., use www.bankrate.com. For international withdrawal fees, ask your bank.

ATM cards with major credit card backing, known as debit cards, are now a commonly accepted 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.

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.

Traveler's checks are something of an anachronism from the days before the ATM made cash accessible at any time. Traveler's checks used to be the only sound alternative to traveling with dangerously large amounts of cash. They were as reliable as currency, but, unlike cash, could be replaced if lost or stolen.

These days, traveler's checks are less necessary because most cities have 24-hour ATMs that allow you to withdraw small amounts of cash as needed. However, keep in mind that you will likely be charged an ATM withdrawal fee if the bank is not your own, so if you're withdrawing money every day, you might be better off with traveler's checks -- provided that you don't mind showing identification every time you want to cash one.

You can get traveler's checks at almost any bank. American Express offers denominations of $20, $50, $100, $500, and (for cardholders only) $1,000. You'll pay a service charge ranging from 1% to 4%. You can also get American Express traveler's checks over the phone by calling tel. 800/221-7282; AmEx gold and platinum cardholders who use this number are exempt from the 1% fee.

Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks. The service charge ranges between 1.5% and 2%; checks come in denominations of $20, $50, $100, $500, and $1,000. Call tel. 800/732-1322 for information. AAA members can obtain Visa checks without a fee at most AAA offices or by calling tel. 866/339-3378.

MasterCard also offers traveler's checks. Call tel. 800/223-9920 for a location near you.

If you choose to carry traveler's checks, be sure to 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.

For visitors from outside the U.S. who choose to use cash, the American money system is fairly simple to grasp. The most common bills are the $1 (a "buck"), $5, $10, and $20 denominations. There are also $2 bills (seldom encountered), $50 bills, and $100 bills (the last two are usually not welcome as payment for small purchases).

Coins come in seven denominations: 1¢ (1 cent, or a penny); 5¢ (5 cents, or a nickel); 10¢ (10 cents, or a dime); 25¢ (25 cents, or a quarter); 50¢ (50 cents, or a half dollar); the gold-colored Sacagawea coin, worth $1; and the rare silver dollar.

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.

What Things Cost in Atlanta (in US$)

Taxi from the airport to downtown Atlanta 18.00

Double room, moderate 90.00

Double room, inexpensive 70.00

Three-course dinner for one without wine, moderate 15.00-25.00

Bottle of beer 3.00-4.50

Cup of coffee 1.00-3.50

1 gallon/1 liter of premium gas 2.65/1.57

Admission to most museums 8.00-15.00

Admission to most national parks 10.00

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.