You might be surprised to learn that there is no limit on how much cash you can cross the border with. However, if you travel with more than $10,000 USD then you must declare it.
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YOU ARE ALLOWED TO CARRY AS MUCH CASH AS YOU WANT OUT OF AND INTO THE UNITED STATES. To summarize up front: no, you are not restricted to traveling with sums of $10,000 or less. In fact, you could travel with a checked bag stuffed to the brim with cash — as long as you declare the amount beforehand.
In most cases, the personal exemption is $800, but there are some exceptions to this rule, which are explained below. Depending on the countries you have visited, your personal exemption will be $200, $800, or $1,600.
Travelers should declare all items being brought from abroad that will remain in the United States. This includes gifts and duty-free purchases. Goods purchased in a duty-free shop are not automatically free of duty upon your return to the United States.
Merchandise is declared to CBP. If you do not declare something that should have been declared, you risk forfeiting the item. If in doubt, declare it. You are returning from an overseas stay of at least 48 hours.