Just as an FYI
The machines to take the train in Belgium does not accept credit cards. We had to use our debit cards. I suspect the reason is that a PIN number is require to complete the transaction. Also, the machines only accept coins, and not paper Euros.
While not a big deal, it's good to know ahead of time. In our recent experience, the Brussels airport was completely unstaffed on the floor to take the train. At the train stations in Brussels, Gent, and Brugge, they were staffed, but the lines were long and appeared slow moving.
Not sure about most debit cards, but my east coast regional. bank charged a 3% international fee per transaction and the exchange rates used were similar to my credit card, meaning that they were fair.