Though you will certainly need some cash, carrying wads of money, which could easily be stolen, lost, or just spent too quickly, is not ideal. There are three main options when it comes to cards in Japan – credit cards, debit cards, or travel money cards.

While Tokyo has become much more card-friendly in 2026, it is still highly recommended to carry a significant amount of cash. Japan remains a "hybrid" economy where major retailers, hotels, and department stores accept credit cards, but many of the most authentic experiences remain cash-only. This includes small family-run "izakayas" (pubs), traditional ramen shops with ticket machines, entrance fees for temples and shrines, and many small boutiques in neighborhoods like Yanaka or Shimokitazawa. Additionally, you will need cash to "top up" a physical Suica or Pasmo transit card at station kiosks (though digital versions on your phone can be topped up via Apple/Google Pay). A good rule of thumb is to keep at least ¥10,000 to ¥20,000 in your wallet for emergencies and daily incidental spending. The most reliable way to get cash is through ATMs at 7-Eleven (7-Bank) or Japan Post offices, which accept most international debit cards and offer English menus. Carrying cash in Japan is very safe due to the extremely low crime rate, so you don't need to worry as much about pickpocketing as you might in other major global capitals.