We did a three week trip through Canada last autumn and used a Visa card for most transactions, for the best currency conversion rate, and a debit card for cash withdrawal at ATM machines. I got an unpleasant surprise when I found that my local bank that issued my debit card had blocked all foreign transactions without my knowledge. It took a phone call to my bank to "unblock" foreign transactions for a couple of weeks.
I also was surprised that U.S. currency was accepted, straight up, no conversion, at all businesses. I even paid a parking violation fee to a meter maid in U.S.Dollars.
When I got home I found that a "Red Light" camera in Quebec City had caught me in a traffic violation and accessed a fine of $140 Canadian dollars. I paid this with a Visa card as well.
Every ATM machine I encountered was equiped with the newer technology that reads "chipped" cards. Each machine would state "no microchip detected, would you like to continue this transaction?"
P.S. Canada did away with Pennies a year ago. Another surprise for me.
2014 Cougar 313RLI
2017 F250, 6.2L Gas, Crew Cab, Short Bed