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We just moved here a few days ago.

I've been using either one of my US credit card for many of my purchases - one for 2% cashback (NFCU) and the other for 3x points dining,/2x transportation (Chase). Both of those do not have foreign transaction fees though, of course, I know that my purchases will be converted into dollars depending on current exchange rate. I always make sure to choose euros when given the option to pay with my credit card (usually that happens when dining).

I also have Wise and have moved money from my US bank account to my PT bank account.

For those more experienced, how do you handle your expenses in terms of what you use for purchasing?

1. Do you use your US credit card exclusively - to get those cash back or points?
2. Do you use your PT debit card to avoid the fees?  However, if you do need to replenish your PT bank using Wise (or other transfer companies), you still need to deal with the exchange rate fee plus additional Wise processing fee (though it is small), correct? So I don't know if this is any better considering you can get cash back & points with the US credit cards.

Any other recommendations to help with budgeting?

Thanks!