Capital One is all I use in JA. No foreign transaction or exchange fees, bank rate of exchange. And if it is stolen or lost or the number stolen, everything taken care of quickly with no liability. Cash can't do that

I do carry a debit card to get cash and as a backup, but having that # stolen is a much bigger pain since it's my bank account being debited, rather than a credit account I don't have to pay back to Capital One if the charges are fraudulent.