Some specifics:

I have a Capital One Platinum card for many years.

Every transaction in Israel, be it an ATM withdrawal or a charge in a store is $5.

Pending on the trend of the dollar, I will usually make one significant ATM withdrawal at the airport.
It is the most recent bank rate, no fee (other than the $5). Then if I need to buy something with the card I factor the $5 into the cost.

I do call them before I go, and I enjoy a great rate with them.