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Visa Travel Money or Travelers Checks?

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Greetings fellow travelers,
My son and and I traveling through Spain for 24 days and Paris 10.
I do own a Credit card and Debit card that will charge me 3-4% per transaction, so I will only use in an emergency.

My Credit Union suggested a Visa Travel Money card, it costs $13. Has anyone used this?

It has a $2.50 monthly maintenance fee. Basically you load a certain amount on the card and you have a PIN. You can make purchases or for cash you 'insert card into an ATM which accepts Visa debit cards' and they charge you $2.00 fee per withdrawl at a Visa ATM. They have a $10 fee for 'over the counter withdrawal', not clear what that means.
How about if I use it as a debit card and want 'cash back'? Charge you $10?
You can also reload them by transferring additional funds from you account.
My concerns are as follows: card gets demagnetized, card eaten by ATM machine...

I would like to know how you carry your money when vacationing in Europe and your bank account is in the US.

Thank you kindly and happy safe traveling to you and your families.

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