App/service that suggests which payment card is most convenient?

Upvote:2

I don't know about a 1:1 replacement, but these days this should be easy: There are cards with 0% transaction fee and free cash withdrawals worldwide, and you can't get better than that.

Note that the credit card exchage rates are fixed, so there are no "better" cards in that regard. N26 currently (2018) has some good offerings that are available in most of Europe, but there are others.

You can check the exchange rates here

Visa exchange calculator
Mastercard exchange calculator

Also, if you really want to chose the "best" card, you'd have to check if the yearly price of the card (if any) is worth any savings you have.

But most important thing in Europe is to never chose the option to pay in your home currency (common option e.g. in Poland). If you do that, you'll be using an external conversion service with really bad rates.

averell 3938

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