Jessica Taylor wrote:

Credit cards are still one of the cheapest way to convert money, but
banks adding their own fees after the network converts it to US dollars
is something I'd rather avoid. (Many credit unions do not do this,
although I don't want another credit card at this time.) Some of the
new fees apply for all foreign transactions, even if it was already in
US Dollars.

I used my ATM card in France in September twice and there was no service
charge and the Euro-Dollar conversion wasn't too far off (certainly
less than 3%) from the rate in the newspaper.