What's the opposite of cash money? [US]

i had a friend who just called it 'plastic'. i liked that.

"are you paying with cash" Possible answers "No." "I'm paying with card" "I only have credit" "I only have my credit/debit card"

Just card fits your example, it’s implied it’s your debit or credit card. I might also respond that I have money in the bank or that I can use my credit card if it’s more a question about if I have money than if I have physical cash.

I say plastic.

There is no opposite, there are just different shades of green. Cash always gets a better deal. Cash money. aka greenbacks. If you're buying weed and your dealer says $50 zelle, how much cash money? $40? Ok. Zelle, cash app venmo. Light green. A way of carrying credit cards that protect your actual financial and bank info as zelle or venmo is an intermediary. Only use in person. I sent some girl $100 venmo, she said she is coming from Ukraine next week and wants to netflix and chill. credit card aka plastic. let's go out tonight. I got no cash. Don't worry I got plastic, pay me back next week. Jackshit. A person with neither the above. Hey, let me get a few beers on my tab. Man you ain't got jackshit.

"cash or card" is a phrase that has been used for many decades.

"Do you have cash?" No

It depends on the context, if someone was asking because they need physical cash, I would just say “no”. If they were asking if I had something I could pay with, I’d say “I only have card”.

Just "card" or "apple pay" "Cash or card" I've only ever heard "plastic" in 1990s movies.

You've specified US, so this isn't exactly applicable, but in Australia we'd say 'card'. Our cash is polymer-based (basically plastic), so saying 'plastic' wouldn't make sense. Either that or 'I don't have cash [on me]' would imply only having card.

Just card.

Depends on the context. in general you could use say "no", because it someone doesn't have cash, it's generally assumed they're not flat out broke and can still access money from a bank account or credit card. If it's in a store, the cashier would probably say something like "are you paying cash?" and the other person would answer "no, card".

Plastic

In your specific example, I would answer just “no”. Do I have cash? No. In shops and restaurants etc where I am (England), the question would be cash or card. Paying with your phone is generally considered a card payment. Money in the bank is just money in the bank.