We now use the Halifax Clarity credit cards all the time, we have an account each. We pay with it when possible, and take cash out on it as there is no charge apart from the interest. This is minimal as we have the 12.99% rate, so about £1 per month per £100 withdrawn. it will depend on statement dates etc. It works out less expensive that NW for us, now they have started charging.
We sometimes have a few euros left from the previous year, but we don't buy any euros in UK, just withdraw at our first stop.
On our current 2 month trip we have had to withdraw a lot more than usual.....1520 euros so far...as many sites, shops and fuel stations in Italy, Austria and Germany have not accepted credit cards. So far we have paid about £5 interest, but I expect that to end up at around £12-£15 eventually.
We also have the NW Gold credit card as back up, and leave £200 in our NW Flex account in case of problems with Halifax. And as a very last resort have (expensive to use) other credit and debit cards.
As Halifax account holders, we get £5 "cashback" on each credit card account if we spend £300+ in a month, easy to do when on holiday! With a bit of forward planning of purchases even at home, we have had £5 each every month since we got the cards about 18 months ago, which more than covers any interest charges.
We always pay in full every month and have DDs set up so we don't need to do anything other than ensure there is enough in our current account to cover everything.