Retailers don't give discounts for cash any more (at least up here), so just about everything goes on the credit card. Like Mike, I either get Air Miles points or 1% back, so it's a better deal (I pay off the entire balance every month).

A lot of gas stations still have manual card machines for backup, despite the fraud risk. I've never been stuck yet. Interac would be another matter.

If I'm travelling anywhere, I'll have at least $100 and preferably $200 in cash. I avoid using Interac in fast food places etc. because of the amount of double-swiping that goes on.

I also keep $20 hidden in each car for emergency gas / coffee / food should I or DW lose our cards or wallet. I should bump up that amount -- twenty bucks doesn't buy much gas any more.