I’ve used a FairFX card worldwide, those or Caxton are the ones to go for last I checked. Exchange rate is Mastercard daily which is within about a penny of the rates you find on xe.com unless you get a dollar or euro specific card which is the rate on day of loading. There is a charge for loading IIRC but it’s a flat rate and still works out cheap as long as you are putting a reasonable amount on.
When it came to renewal I got my fees waived as I had used it so many times, the international version is great for just picking up and taking on holiday, plus you get something like 24 or 48h replacement if you need a new one.
Look on Quidco or Topashback for cashback when ordering one, it usually cancels out or near enough the initial fee.