Traveling with credit cards
Use a credit card for all your purchases while traveling with credit cards; credit cards will give you the best exchange rate offered that month. Just make sure it’s a travel card that doesn’t charge the 3% foreign transaction fee. While you’re at it, get a credit card with the best travel rewards programs.
Don’t use your credit card for a cash advance, the fees and interest rates are much higher. The interest rates on cash advances also begin immediately instead of having the 30-day grace period.
If the merchant requests to charge your card in U.S. dollars instead of the local currency, decline it. When paying with your credit card, always pay in the local currency. This is a trick called dynamic currency conversion. The exchange rate is usually the worst, and the merchant can add fees on top of that. Make your charges in the original currency and let your credit card company figure out the exchange rate.