: You will likely be charged a cash advance fee , which is typically a percentage of the total amount (e.g., 3-5%).

: Use a card with zero foreign transaction fees (like those from Capital One or Chase Sapphire) to pay merchants directly in the local currency.

: Buying physical travel money is usually categorized as a cash-related payment, similar to withdrawing cash from an ATM.

Credit Card Foreign Currency Transaction Fees | Tips and Advice

: Multi-currency cards like Wise or Revolut allow you to hold and spend multiple currencies at the mid-market rate with minimal fees.

: You may still face currency conversion markups of 1% to 3% unless you use a specialized no-foreign-transaction-fee card . Better Alternatives

: Withdraw local currency from an ATM using a debit card to avoid high credit card interest rates, though ATM fees may still apply.

: Most credit cards do not award points, miles, or cashback on transactions classified as cash advances.