Most travellers end up using a mix of both, cash for small daily expenses and a forex card for larger purchases and safety. Here's how to split it sensibly.
When cash makes more sense
Small vendors, local transport, and tipping in many countries are cash-only or cash-preferred. Exchanging a modest amount before you fly avoids scrambling for local currency on arrival.
When a forex card makes more sense
Forex cards lock in an exchange rate, are safer than carrying large cash amounts, and work like a debit card for hotels, restaurants, and online bookings.