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Best credit/debit card, cash and phone values for Vietnam

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I am wondering what people recommend as the best credit/debit card to use for Vietnam.
My banks are quoting me a 3% transaction fee with a at $5/use for debit card withdrawal at ATM and 5% usage fee as well at 3% transaction fee for cash advance at ATM on credit card, with interest rates starting to accure immediately.

What do people suggest about Travelers Checks

Also - Verizon is quoting a $1.99/minute rate to call back to the USA.

Thanks.

Julias Mom - traveling with her in 3 weeks.

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