Best way for us Canucks... Get a US based bank account and a USD credit card. Most of our banks offer this (RBC does). You can usually get an account (again, based in the US) and a no fee USD credit card. The account will generally have a fee, but what you will save very much offsets the fee. Open a $USD account in Canada, move funds from your $CDN account to your $USD account using your online banking (this is where your conversion happens), then transfer the USD funds from your Canad