Most ships have ATM's but some may run out of cash by the end of a week. Check with the cruise line (or have your TA do it)ahead of time to be sure. Shops in the ports almost always take credit cards, but smaller ones may not. American dollars, however, are welcome in Caribbean and Mexican ports. I usually take some travelers checks, which the purser's office onboard will cash - safer than having all that cash along! You will need smaller bills for tips (porters, guides, etc.), but most cruise lines now will charge the onboard gratuities to your shipboard account. THAT is best established by credit card.
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