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Money, money, money

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For a trip to London mid July, I have purchased Oyster cards for both of us. I would love to use my credit card as extensively as I can for purchases. Would the justairports.com chauffeur (as recommended by you in another forum) take anything other than cash? If not, where do you advise that we get UK money? I understand if I get it here in the States, it is a less favorable exchange rate? And what about tipping? How much and to whom? 20% to wait staff at restaurants? How much for our chauffeur? How much for day tour guides? Hotel housekeepers? Thanks for your willingness to share your knowledge and experience with us.

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