If you put it on the credit card, you will have the card fee to cover (usually 3% unless the seller does enough business to have negotiated a discount), but their exchange rates are what they are at the moment and no surcharge in my experience. Plus, if there is ever any problem, your credit card company is on your side.
I've had good and bad experiences with my Cabela's Visa, paying my deposit on the annual driven shoot in Scotland, and the rest of the bill afterwards. The good part: excellent exchange rate. My hunting partner did a wire transfer and ended up paying a good bit more than I did. (Card fee for me was 1%.) The bad part: You not only have to tell the CC people that there's going to be a foreign charge to your account, but you need to tell them to hold your card open for the charge until it clears. If the foreign business on the other end doesn't charge your card within a couple days of the time you tell the CC company to look for the charge, it will probably kick back. I had to do that about 3 times. "But we thought it was fraudulent!" "So why didn't you call me and ask?" Finally got it straightened out, and it's in my notes for next year to give them explicit instructions on the charge. But nice to get the Cabela's points, the good exchange rate, and a low card fee.
