Real-world advice for finding the best no-foreign-transaction-fee card for international trips?

I need a reliable everyday travel card with sane fees and decent benefits. is exactly the right target. The best systems are the ones you will still use after ten trips, not just one enthusiastic weekend.

I would rather optimize for real-world usability than squeeze out one more point per dollar. is the part most advice ignores, and it usually ends up being the reason people quit a tool or workflow.

I try to keep it simple: solve the biggest pain point first, then add extra optimization only if I keep up with it naturally.

My rule is that if a setup takes too much manual maintenance, I replace it with something simpler even if the theoretical upside is lower.