Good default setup
- Use a low-fee card as your main payment method.
- Carry a moderate amount of BRL cash for backup.
- Keep cash and cards split between wallet and bag.
When cash matters more
- Small vendors and local edge cases
- Transport or service moments where card machines fail
- Tips, snacks, and casual purchases
Bottom line
You do not need to be cash-heavy in Brazil, but arriving with zero cash plan is unnecessary risk.