Lowest cost wins for most people
If you don't chase rewards, total cost is what matters. No monthly fee, low FX and low ATM beat a flashy cashback rate that's capped or gated.
What to compare
Monthly/plan fee, FX fee, ATM fee, and top-up fee. EUR-native cards often hit 0% FX within Europe.
The ranking
The low-fee use-case page ranks by net value with rewards de-emphasised.