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This!

Only other thing I would like to add is CASH.

Not a lot, just enough to keep you afloat when your credit card is not cooperating.

You may end up in a place that only accepts cash and there's no atm nearby or these that are available won't accept your card for some reason.

And it doesn't have to a remote place like Laos or Bali. This happens in places like Berlin.

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Yeah, some cash, debit card, and a backup credit card that is hopefully as independent of the card you normally use traveling as possible. (i.e. not two Chase cards.) Also, be careful that your backup isn't a card you normally never use--especially internationally. The card companies seem to have gotten better about random fraud alerts but they still happen.

If you're traveling with a SO and have joint accounts, check the account numbers. My wife was pickpocketed in Madrid and 2 of our 3 joint cards had the same number, meaning that even though I had the physical card, it was cancelled until we got the new cards.

We weren't aware of the issue before this happened.

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