You may want to consider either a US credit card or a credit card that doesn’t charge a foreign transaction fee. We use to have a Rogers credit card with no foreign transaction fee but that has stopped. As we have trips to South Africa, Scotland and Japan in 2023, we started to search for a new no foreign TF credit card. We ended up getting the Brim Financial Mastercard and have used it on our South Africa trip. Surprisingly, the exchange rate when converting Rand to Can $ was better on that credit card than the rate we got at Continental Currency when we bought Rand to take with us.