> I can bet you buying a pizza in Spain with Spanish currency using a US card will charge you a foreign exchange fee. That sounds like a personal choice. There

> I can bet you buying a pizza in Spain with Spanish currency using a US card will charge you a foreign exchange fee. That sounds like a personal choice. There are plenty of banks that don't charge fees for purchasing in foreign currencies. Monzo and Revolut both spring to mind here in the UK, and I believe both are now available in the US.