Do some research to see if most vendors in your destination take U.S. dollars. Either way, you can rely on a debit card and ATMs for the rest. Yes, there are ATM fees, but they are usually less than the foreign transaction fees of many credit cards. These universal MasterCard and Visa ATM locators should prove helpful. If you insist on swiping for your stroopwafels, double check your credit card companys policy on overseas transactions.