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Always go to Europe with a bunch of cash, and then draw down on that slowly, and only as you need. Otherwise, use Amex when you can, and Visa/Mastercard when you must.EU VAT refund is such a sham. You get back 12% (not 18%), it was promised in 3-5 days but it took about a month to get the refund (and still counting for some), and the rate for the currency back is terrible (another 5-6% against you).
But it was not as bad as the ridiculous rate offered by money exchange booths in France and Italy. ~€65 for $100 (market exchange rate was €1 = $1.06).