what I do overseas is use an ATM inside a hotel or inside a mall (versus off the street ATM) and get money that way. You will automatically get the best exchange rate.
Yahoo Currency Converter will give you the exchange rate
No problems with USAA either. Just got the Chase Priority Club card, it seems to be working well so far. No foreign transaction charges, which puts me ahead even with the annual fee, which is waived the first year. Also two free nights when you get the card, and one night a year after that. Plus 5 points per dollar charged at Priority Club hotels (we stay at a lot) and one point per dollar everywhere else.
Chase just upheld my dispute of a 4000+ dollar charge on my personal card. The charge was for a flight on American. A good sign they didn't suck up to such a large vendor.
I had to call Chase once when I first started flying international to advise them of my new travel habits. Since then, no problems.
Last time I was in french West Africa, a Mastercard was pretty much worthless, Visa was the only card that was accepted, when you did find places that took cards.
I 2nd the Capital one No hassles Visa, been living in Saudi for 19 months now and the cards worked all over the world. Best part is of course no exchange fee's.
I just got off the phone with Bank of America, I told them I travel all over the world and I asked about the fee's. They told me that since I had an Advantage account all fee's will be waived and all previous fee's will be reimbursed.
AMEX Platinum, it gets you into just about all the FF fly'er lounges/clubs. If you detect a false charge its like unleashing the 3rd Riech onto a small Polish village. Absolute brutality.....
Always use cash if you can though, card cloning is getting popular. The merchant can simply palm a cloner and you'll never see it.
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