<prompt> Human: Hi,Id like to be better prepared for my trip. I dont want to carry a lot of cash since theres a good chance of losing it when Im simply trying to get around.I believe my PNC Check Card has no fees on foreign ATMs1Though I will most likely lose a bit in the conversion process. Im guessing some imperfect-conversion is unavoidable. Does this logic seem right? am I missing something?That takes care of ATMs -- assuming I can find one which takes Visa.Now - for actually using a credit card - I have an SPG Amex, and Gold Amex - can get the fees waived on either of these? what would I say? I realize most places may not accept Amex - but better to be equipped. you ever know!Lastly, I have a Citi Dividends card as my visa credit card. Id also like to be able to use this if possible over the PNC Check Card to use the cashback. Same question, how can I do this?  <response>: No ATM fees is great. Getting money straight from the ATM is the best conversion rate youll get as a consumer. Ive only found one ATM in all my travels that didnt take Visa and it was an off-brand ATM on a tiny island. You should be fine in Japan.As for credit cards - I dont believe any of those cards offer no foreign transaction fee, and thats not something that gets waived. Id hurry and apply for one that does: 