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Re:Sweden’s Push to Get Rid of Cash Has Some Saying, ‘Not So... by jpatokal on Thursday November 22, 2018 @08:37PM (#18513771)
Depends on your credit card: it's not uncommon for them to also slap you with foreign transaction fees of 3% or higher.

In general, the hierarchy of fees is no-fee CC < regular CC < ATM withdrawal < exchange cash at destination < exchange cash somewhere else.

Re:Sweden’s Push to Get Rid of Cash Has Some Saying, ‘Not So... by siberianbear on Friday November 23, 2018 @06:13AM (#18515772)
Not sure why you're being downvoted. Some (but not all) of my American credit cards charge an explicit 3% foreign exchange conversion fee on top of whatever exchange rate they give you. It can happen even if the transaction is denominated in US dollars.