Two further notes.

While any debit card is a great deal for getting cash abroad if you use a counter cash advance not all are equally easy to use. For example some cards have a daily limit, which can be a problem because when I get someplace and find a bank that will do a counter transaction I like to get all the cash I'm going to need at once.

Also if you ever need to do a really big cash draw (like to pay for the rental of a house for a month like I did or say for an emergency) a daily limit can ruin your whole day. I'm not sure what the Schwab limit is but I've never hit it and I've done cash advances in excess of $5,000 at a time (which figuring your saving about 1-2% on the foreign spread adds up to at least a nice dinner out).

As for credit cards one needs to be careful when saying a card has no forex fee because it isn't always clear what that means.

The best cards are those (like the old Barclay's) that not only didn't charge a foreign currency fee for the bank but rebated the 1% that Visa/MC assessed. I think of those as truly no fee. Next best are those that have no bank fee but do pass through the 1%. The banks call those no fee, but of course they really are 1%.

Now not to confuse matters even more, but even true no fee cards aren't really no fee anymore. The reason is that the banks and Visa/MC used to obligate themselves to use the actual exchange rate they received as the rate of exchange (it was even more complicated but this was the effect). That is no longer true. The rate is just a rate they say they use now and is not the rate they actually trade at (they won't even tell you how they get it). So even when you are using a "true" no fee card you are almost certainly paying a fee because the rate the system is giving you isn't necessarily the rate they exchanged at.

An amusing story from when they used to play it straight was a trip I took to Israel many years ago. Amex computed the forex rate based on the day of the transaction while Visa on the date it hit their system. In those days the system was still paper and it often took a couple of day or more for a transaction to make its way to the local bank and days more until they processed it with the result that charges often showed up with a posting date a week to two weeks after the actual charge. Well Israel was going through hyperinflation (prices everywhere were written on chaulk boards and changed hourly) so the upshot was that a week or two delay turned into a substantial discount. I can't remember the exact amount but it could easily have been 10-25%.