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Should I take cash to Hawaii?

It's always advisable to bring money in a variety of forms on a vacation: a mix of cash, credit cards, and traveler's checks. You should also exchange enough petty cash to cover airport incidentals, tipping, and transportation to your hotel before you leave home, or withdraw money upon arrival at an airport ATM.



That’s an excellent and practical question. The short answer is yes, you should take some cash to Hawaii, but you should not rely on it as your primary payment method.

Here’s a detailed breakdown of why, how much, and where cash is most useful:

Reasons to Bring Cash:

  1. Small, Local Businesses & Food Trucks: Hawaii has amazing food trucks, fruit stands (like those for fresh pineapple or coconut), farmers’ markets, and small family-owned shops. Many of these are cash-only or offer a discount for cash to avoid credit card fees.
  2. Tips: While you can add tips to credit card slips, cash is king for:
    • Hotel housekeeping (leave a few dollars per day).
    • Valet or luggage attendants.
    • Tour guides (especially on smaller, private tours).
    • Food truck servers (tip jars).
  3. Small Purchases & Convenience: Buying a bottle of water from a roadside stand, an impromptu souvenir from a craft fair, or paying for parking at some rural beach lots often requires cash.
  4. Cultural Sites & Donations: Some historical sites, temples (heiau), or botanical gardens may request a small cash donation for entry or maintenance.
  5. Emergency Backup: In the rare event your card is lost, stolen, or not working (or if a reader is down), having cash is a crucial safety net.

Reasons to Rely on Cards (Debit/Credit):

  1. Widespread Acceptance: The vast majority of hotels, restaurants, rental car agencies, grocery stores

People Also Ask

Most establishments on Oahu–particularly in tourist areas–accept all major credit and debit cards. Nonetheless, having a small amount of cash on hand can be extremely useful. To avoid ATM withdrawal fees, bring cash with you from home.

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With that in mind, how much do you need to budget to visit Hawaii? Well, in general, you're going to want an average of about $4000 per week, depending on where you're staying and which island you're visiting on your Hawaii vacation.

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Take cash. While we mostly operate in a cashless society, you'll need cash in Waikiki. Taxi drivers, for instance, prefer cash over cards. Ashlee says small notes are handy for tipping porters, (US$1-US$2 per bag), housekeeping staff (US$1-$2 a day), bar staff (US$1-US$2 per drink) and guides/drivers (US$5-US$10).

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The US Dollar is the official currency used in Hawaii. Major credit cards and traveller's cheques are widely accepted, plus there are plenty of ATMs and currency exchange stores at the resorts, shopping centres and throughout each of the islands.

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Honestly, prices in Hawaii are not greater than mainland US. Some restaurants DO charge high prices depending on where (usually ocean side dining costs more, eating at high-end chain restaurants or hotels is expensive). However, there are places to eat where you can expect to pay prices you are familiar with.

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For all of 2021, there were 1,184,063 visitors to Hawaii Island compared to 493,817 visitors (+139.8%) in 2020, versus 1,763,904 visitors (-32.9%) in 2019. Total visitor spending in 2021 was $1.82 billion, a drop of 21.5 percent from $2.32 billion in 2019.

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Food Costs The average cost of food per person per day is about $61, but it can fluctuate depending on where you eat and how many people you go with. Fortunately, there are also some ways to save money on food costs during your vacation.

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Filled with highrise hotels and apartments, this is a favorite vacation spot for many tourists coming to the Hawaiian Islands. There is no denying that Waikiki is an expensive destination. With hotel rooms averaging from $250-320/night and expensive food costs, this is not a cheap destination.

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Pack Light: How to Travel to Hawaii with Only a Carry-On
  1. Go Light. ...
  2. Go Casual. ...
  3. Don't Sweat the Wrinkles. ...
  4. Rent the Toys. ...
  5. Minimize Toiletries. ...
  6. Practice Sun Safety. ...
  7. Wear Your Heaviest Items.


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If you are traveling on an international flight and have more than $10,000 in your possession, you must disclose the amount of U.S. Currency in your possession on a FinCEN 105 form. On a domestic flight, no rule requires you to disclose carrying $10,000 or more on the flight.

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All of these average travel prices have been collected from other travelers to help you plan your own travel budget. A vacation to Hawaii for one week usually costs around $2,391 for one person. So, a trip to Hawaii for two people costs around $4,782 for one week.

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The best time to visit Hawaii is between March and September. This is when the islands see the highest temperatures and the lowest amount of rain.

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April thru June and mid-August thru mid-September are Hawaii's low seasons, and airfares are lower then. No matter what time of year you travel, you may be able to score better deals if you travel midweek.

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Figuring out the tip If your total bill is $200 and you want to tip 15%, work out the tip by multiplying the total bill by 0.15. You can then add this amount to your bill when it comes to pay. Simple. Or alternatively, you can multiply the bill excluding service by 1.15 (assuming you want to leave that same 15% tip).

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For instance, 20–25% tips are the norm in restaurants. Many workers in Hawaii are paid less than minimum wage with tips factored into their regular pay similar to the US mainland. It can be considered rude to fail to tip or under tip your host or hostess.

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