QL: Totally agree. I know all the fees. I use both my ATM and my (unusual) credit card, and the cost to me are just about identical.

It is also true that just about any other credit card incurs the fees you describe.

Years ago, I used to have a "line of credit" card from Chase -- that also had no cash advance fee, the 1% currency exchange fee, and was taken by ATM's. (I think it looked like a Mastercard to the ATM, but it wasn't a mastercard -- it could not be used for purchases). The downside is that it had 19.6% per annum interest. It was still a better deal than changing money at a bank, but slightly worse (due to interest) than the ATM.

My current card has low interst, and a little planning or fast payment minimizes or negates that cost.

These types of cards are rare, so the general advise that ATM is the way to go is totally accurate.