byrondebord wrote:
Ask the establishment (hotel, golf course, fishing, etc.) if they charge in dollars. If so, there is no extra fee to use your credit card. Just like buying something in the States. For me, if it was in colones, my credit card would charge a big fee.
I let my bank know I was heading to CR, and the fee to withdraw colones at the ATM was minimal. I used the ATM at the INS Building by Sportsmens Lodge. Took out 285,000 per time. About $500.
Regarding your question about $20, most of the girls I saw were at Sportsmen's. They preferred USD. Since I was able to agree to 60 or 80 per session, it was good to have a few hundred in 20's. Many girls ask for 100, so if you have Benjamins, they will gladly take them. I did that a few times.
At the massage parlors throughout town, you can find some real gems. It is a great deal, and they take colones. So, you really don't need to bring thousands of dollars in cash. You can use a mix of ATM for cash and credit cards at certain locations. I also heard you can get USD 20 bills from some ATMs if you wanted to.
Some places will charge you in dollars but it will still cost you a conversion rate. You pay in dollars, they run it through in colones, then your bank and/or credit card company charges you to convert to dollars. That can add up. You have to ask to know how it goes. Often there's a straight extra percentage added just to use a credit card as well.