Always carry a bit of cash just in case you run into trouble in between places that uses/has access to credit cards or online cash app transactions. I use something similar to this: https://www.amazon.com/True-Utility-TU251-Cashstash-Waterproof/dp/B075T4L9VX/ref=mp_s_a_1_4?crid=1AHUQTRJE8974&keywords=money+holder+keychain&qid=1693590040&sprefix=money+holder+keychain%2Caps%2C150&sr=8-4
On mobile. I switch between Sync and Connect. Voyager is a close second. The other android apps don’t fit my visual or functional needs as well.