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Ah the joys of cross border banking. The 3% is the credit card companies getting their chunk of money. You likely don’t want cash back on a credit card purchase as you start paying interest the day you use the money. In Canada, we have debit cards attached to our bank accounts that allow cash back. My debt card for my USA bank account says VISA on it, which would make our merchants use it as a credit card. Best to just find ATM and Get cash at current day’s exchange, or, if going longer term or frequent visitor, get a bank account at a major Canadian bank. Our banks and ATM work nation wide as well as world wide with a fee. You need good ID like a passport to open an account. Our Big 4 banks are RBC, TD, CIBC and Bank of Montreal. Most also offer some form of USA banking as well. Happy trails!
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