# To minimize spread costs in Shopping Online

I get my income in euros. I need to pay stuff in USD because I use shops which base-currency is USD such as Dealextreme. I have Visa Debit card so not the real Visa, since I am a student but have stable income streams monthly. I get the following spread-costs with my card:

• Dealextreme, 9.59%, when paying in euros USD-stuff kun euroina maksaminen ja base currency USD [1]
• Dealextreme, 2.06%, when paying in USD USD-stuff [2]

I get the current course of one euro in USD from Google.

The spread-cost, 2.06%, is huge. I would like to get it even smaller. Which credit-card does minimize the given spread-cost even more?

2. Is there any other ways to minimize the given spread-cost even more?

I did not use Paypal in buying my shoppings. I am not sure about Paypal's spread-cost, probably worser than directly with the given credit card.

Appendix

``````[1]
>>> 24.10/18.74
1.2860192102454644
>>> de = 24.10/18.74                # one euro in USD when paying with euros
>>> right = 1.4155
>>> diff = right - de
>>> ave = (right + de)/2
>>> diff / ave
0.09585775978455527

[2]
>>> 24.10/17.38
1.3866513233601843
>>> de = 24.10/17.38                     # one euro in USD when paying with dollars
>>> right = 1.4155
>>> diff = right - de
>>> ave = (right + de)/2
>>> diff / ave
0.020590377399905716
``````
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Have you looked into doing the currency transfer outside of the credit card transaction? Perhaps if you opened up a bank account intended for international use you would be able to move money into USD and spend it in USD. – duffbeer703 Oct 30 '11 at 19:13
@duffbeer703 Thank you for your point! I knew that there is a more efficient way to do the thing. Need to find out now the most efficient bank account for the given purpose. – Masi Oct 30 '11 at 19:46
@duffbeer703 I opened a new thread about an international bank account which has only USD for a student: money.stackexchange.com/questions/11824/…, to minimize spread-costs in online shopping. – Masi Oct 30 '11 at 20:13
Is there a way for you to get income in USD? – Sun W Kim Jan 2 at 19:12
Not at the moment, but in the future yes. Yes, the best way to avoid the currency exchange costs would be to avoid the currency exchanges. – Masi Jan 2 at 20:07