Bring a debit card - you will get the best exchange rate from ATMs. There are several ATMs outside the airport exit where the taxis are. We've started keeping our "excess" J's for our next trip. For safety, I have an account with a bank that refunds ATM fees which I only use for travel. If the account is hacked, only a limited amount of money is at risk. We do use credit cards for hotel bills, and occasionally at places like Times Square or larger supermarkets, or the more expensive restaurants where we treat ourselves once or twice a trip.