U.S. Dollars, Antillean Guilders, Euros and all major credit cards are widely accepted. The exchange rate between the U.S. Dollar and Antillean Guilder is fixed. One American Dollar can be converted in 1.78 Antillean Guilders.
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Yes, credit card companies automatically convert foreign currencies to the domestic currency using their exchange rate.
While credit cards are accepted in most situations, currency can be more convenient for public transportation and small vendors. It's also wise to carry an emergency fund with enough cash for a few days, just in case your card gets lost or stolen.
The Antillean Guilder or Florin is the official currency in St.Maarten, which is divided into 100 cents. US dollars are accepted at the majority of businesses on the Dutch side of the island. On the French side, the euro is the official currency.
The euro is used in the North (in St.Martin). Despite having two different official currencies, the US Dollar is accepted on both sides, with St. Maarten using the US Dollar the most.
Maarten/St. Martin. Tap water is safe to drink, but bottled water is recommended. High-SPF sunscreen is essential and recommended for those not used to intense sunlight.
While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.
Foreign transaction fees are assessed by your credit card issuer and tend to be charged as a percentage of the purchase that you're making, usually around 3%. While 3% might not seem like much, the charges can add up.