Not to mention trying to time the forex market is difficult for a pro, never mind a retail exchanger changing a couple of grand when you go on vacation.
But whatever works for an individual is good for them. I just know after doing different types of currency exchange and transfer, and living and paying in the States for a good chunk of several years, I finally found that quite often just using my regular rewards CC was within 1% of my other methods typically.
I just feel for the OP looking for a definitive answer
