Cash Credit or Travelers Checks?

Cash Credit or Travelers Checks?

My personal vote is for majority US Cash and some Nicaraguan Currency, named “Cordoba” on your person at all times.

In most towns in Nicaragua, including Rivas and San Juan del Sur, there are various ATMS machines some of which spew both US currency and Nicaraguan currency named Cordoba. Travelers checks are not widely accepted and can only be cashed at certain banks, none of which are found in San Juan del Sur. Apart from being a sometime ling and tedious process, you will most likely also get charged between 5% and 10% for cashing the travelers checks.

Most formal establishments (restaurants, bars, hotels, rental cars etc.) accept VISA, Mastercard or AMEX.  Little convenience stores and most places in San Juan del Sur accept US Dollar bills as long as the bills are in good shape; that means bill must have no tears, blemishes, written marks or missing pieces. You will almost always receive change in local national Currency, the Cordoba. The rest of the country is a bit less inclined to accepting US bills. Ultimately everyone accepts a US Dollar bill as long as it is in good condition and given that they have enough change for you.

knowing what you know now, what will you bring to Nicaragua? Cash credit or travelers checks?