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If you are from the US, you are much better offer getting a free Charles Schwab or Fidelity checking account, because they reimburse for all ATM fees worldwide and the accounts have no fees or minimum.
Wise is good for paying in local currency but if your credit card has no international transaction fees, then it is better to pay with your credit card.
Wise is best for transferring money online between currencies but the card isn’t that useful if you are US based.