You’ve chosen a credit card that doesn’t charge international transaction fees, but now you’re sitting in a café and the register is giving you two options for paying your bill: the local currency, or your home country’s currency.
This heightens the case for carrying a card without transaction fees. It makes the decision, if there is one, easy—always choose the local currency. But it’s also a reminder to look twice before you sign off on any bill when you’re traveling internationally. You want to make sure you get what you’re paying for, and in the currency you feel most comfortable handling.