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For dental travelers in particular, who may spend multiple thousands of dollars on their dental care and travelers expenses, 4% can add up to hundreds of dollars. Visa/MasterCard charge 1% and your bank that issues your credit card can charge you an additional 1-3% on top of Visa/MasterCard’s FX fees.
For example, if you spend $10,000 while travelling, you will pay an additional $400 to your credit card company for the privilege of using your card.
Make sure that you have a credit card that doesn’t charge foreign exchange fees before you travel overseas.
Credit cards that do no charge foreign transaction fees
Sadly there are no credit cards which do not charge foreign exchange fees :(