I have found on my last few trips in Europe: England, Greece, Sweden and Netherlands, that only in Greece did I need cash. I'm taking the RS Berlin, Prague and Vienna tour next year. Will I need any cash in these countries? While I have some Euros left over, if I need cash I might get a couple of hundred dollars worth more of Euros before I go. Obviously, Czech Republic, I'd do an ATM when there if I had to do so.
I know this is frivolous, but I hate errands and I consider going to an ATM in Europe as an errand, so if I can avoid that, I will. I don't mind spending a slight amount more via my AAA then doing an "errand". LOL