Originally Posted by
snic
The OP still has time to get a chip+pin card (e.g., from First Tech credit union), which is a must for any American traveling to Europe. It really does make your life easier.
Many here will disagree that it's a "must". It's a nice to have. I don't have one and the only time it causes me even a slight annoyance is when I'm buying a train ticket. Hotels, restaurants, and most shops will take a chip & signature card without making a fuss at all. I also always carry enough cash to cover small purchases during the day, like a snack from a street stall or whatever the case might be where the card isn't accepted.
Personally, I wouldn't impact my credit report negatively for a card that will come in handy 2-3 times per trip, especially if, like many people, the trip is a once-a-year vacation to Europe.