Is it better to convert to local currency when traveling or just use no foreign transaction fee US credit card?

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Use a no transaction fee card and always pay in local currency, not dollars. Your bank will give you a much better exchange rate on your bill than some random shop who doesn’t care about you.

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Ideally just use the credit card. Otherwise try to just go to an atm in country.

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Depends on where you’re going and what you want to do. I usually just use my card, but I like to have some local currency for tips, shopping at local markets, transportation, excursions, etc. With that said, you can always just pull money out there if needed.

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I use no FX fee credit cards wherever I can (charge in local currency) and withdraw cash when needed (use debit cards with atm fee rebate)

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Don’t convert cash, you will always lose money. No fee cc is the way to go especially if you’re working towards a bonus. Use your own bank before you go to get cash or what I do is pull local currency from an atm but using a bank that doesn’t charge a foreign transaction fee and refunds atm fees.

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