Credit cards are widely accepted in the majority of cities, especially Visa and Mastercard. ATM´s are available in all the major cities and most smaller towns too. Where you will have the option of taking out US$ or Nuevo Soles. Credit cards are also widely accepted at major restaurants and shops. Of course smaller shops, restaurants and the markets don't accept credit cards, so you should have some cash to hand. Some places may also charge a surcharge for purchases with credit and debit cards, although this is not always the case.

Travellers cheques are changed by banks and casas de cambio, there is almost always a commission charged for this service. Outside the main cities it can be more difficult and time consuming to exchange you travellers cheques. There is also an office of American Express in Lima.