A good number of popular small restaurants in NYC are cash-only. And then there's splitting the bill with large groups, where you don't want to (or can't) add y

A good number of popular small restaurants in NYC are cash-only. And then there's splitting the bill with large groups, where you don't want to (or can't) add yet another card to the pile, especially if you're not splitting evenly. Also, if you drive, gas stations charge 5-10% more for credit cards.