The currency in Armenia is the dram, and carrying this around is usually the best way to ensure that you have enough money to truly enjoy your stay in this country. Cash is the best thing to use here for payment, so do not rely on just a credit, or debit card unless you plan to use it to withdraw money in the form of drams. You can exchange USD for drams at most major airports and hotels, especially in larger cities like Yerevan, Sevan, and Dilijan. Many retailers and banks also accept traveler's checks, so you can bring them if you feel comfortable using them on vacation.
If you do not just want to carry around cash and traveler's checks, you can use a card to keep money on until you need it. Most retailers in this country do not take credit or debit cards for payment, although you might get lucky and find some large stores or major restaurants that do. However, you can still use plastic by learning how to use a prepaid debit card to send money to Armenia before you leave your house. You can simply send funds from your bank account to the card for a fee of $5 USD. You can then use this card to remove cash in the form of drams from ATMs that you will find in major cities in Armenia.
