First of all, I would like to thank all the people who have posted on these topics patiently over the last year. I used what I learned on the forums and feel that things worked very, very well for me on my trip.
Credit Card: I went with Andrews Credit Union as it is a true chip and pin card with no foreign transaction fees. I was only asked for the pin twice. The remainder of the times I was asked for a signature. If a person is running the transaction, it seems that they want a signature. If it is an automated machine, a pin was required. I'm home now and checked the exchange rate I was given against the exchange rate that was listed in the newspaper each day. It was identical. The chip and pin technology, good exchange rate, lack of foreign transaction fees, and ease of use made me quite glad with this choice.
Debit Card: I went with Charles Schwab investor Checking Account/Debit Card as suggested on this forum. I didn't want to use my regular debit card for several reasons. The Charles Schwab was great. No ATM fees, no foreign transaction fees, and a good exchange rate just like the Andrews card. I used ATM machines in 3 different countries without any difficulties or problems. Although this account is called an investor checking account, you are not required to fund an investment account to open this card. You only have to fund the checking account.
It took some preplanning to open these two accounts primarily for travel expenses, but I was very glad that I did. The lack of fees and the good exchange rate made my trip a better bargain and very convenient for tracking expenses.