Originally Posted by
firehawk
International money card - basically some pre-pay card you can use internationally but add currency to it.
There is no such kind of product in the US due to lack of demand.
Originally Posted by
firehawk
Credit cards are horrible with the exchange rate and can charge ATM fees too!

Seems you did not read the whole message. As it was already mentioned, there are plenty of cards that do not charge FT fees and use interbank exchange rates.
Why don't you read credit card forums section to get a little bit better understanding?