For a 2026 trip to Canada, you primarily need a Visa or Mastercard credit card, as these are the most universally accepted payment methods throughout the country, from high-end boutiques in Toronto to remote gas stations in the Rockies. Unlike some countries where cash is king, Canada is a highly digital economy where "Tap to Pay" (NFC) is the standard for almost every transaction. You should also ensure your card has no foreign transaction fees to avoid an extra 3% charge on every purchase. If you are a traveler from the US, your standard debit card will work at most ATMs (which are called ABMs in Canada), but you may encounter issues with "Interac" debit machines at smaller local shops if you don't have a major logo on your card. For public transit in cities like Vancouver, you need a Compass Card, while Toronto uses PRESTO; however, most now allow you to simply tap your mobile wallet or credit card directly at the gate. Finally, don't forget your identification card (Passport or NEXUS), as you cannot enter Canada or check into a hotel without a valid government-issued ID.