We have traveled a lot and I agree, ATMs are the way to go for cash. We do use a credit card that has no conversion charge to buy things. It is a Chase No Hassel card. I called them before we left to make sure they didn't charge for conversion and also got it in writing. We do always (forgot once) call the credit card company before we leave and tell them where we are going and when we'll be back. They seem to keep track of it and we don't get a phone call.