Have a credit card with no foreign transaction fees.
After graduating from college, my family and I went to my cousin’s wedding in Canada. We flew to Calgary and drove six hours to Saskatoon, Saskatchewan, where my cousin lived. On our return home from the wedding, we explored Calgary, including CrossIron Mills mall. In deciding what to eat at the food court, I made the decision to hit up Taco Bell. Why? Because it was cheap, I wasn’t too hungry, annnnd Taco Bell Canada sells french fries that I wanted to try. They’re alright. I paid with my credit card, which I think was the Chase Freedom card at the time.
A few weeks later, when I checked my card activity online, I realized that my cheap Taco Bell meal was slightly more expensive due to the foreign transaction fee charged for that Taco Bell. French fries are dangerous.
After that, I decided to get another credit card, especially one without foreign transaction fees. I ended up applying for a Capital One credit card because it didn’t have foreign transaction fees. I later converted it to a Venture One travel card whenever they started offering it.
Long story short–have at least one credit card that has no foreign transaction fees when you travel outside of the United States. There’s no sense in paying more than you have to when using your credit card abroad. Don’t let your Taco Bell cost more!!!
My Chase Sapphire Reserve goes with me everywhere when I travel abroad. There are many more options out there, but typically any credit card that specializes in travel benefits will not have foreign transaction fees.
Good luck out there!