I am starting the prep work for our trip in September, and are now realizing the foreign transaction fees associated with our Disney Visa at 3%. I also know of the chip and pin issues associated with the card. So has anyone had a generally good experience with a specific credit card? Maybe a combo of using credit and taking some cash at an ATM, or using cash for everything? For example, a new British Airways visa has the chip and has no foreign transaction fees, but has quite a pricey annual rate. So any recommendations would be great - thanks!