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Don't undrestand how the EU card works

morfe1 Member Posts: 3
To be more specific:
I live in Europe and need to be able to pay in Euro or withdraw in euro.

As i understand with USD card I have 2 possibilities:
- pay in shops and get charged for all the fees($3 transaction, 3% cos i'm not in US + convestion rate USD/EUR) each time.
- withdraw Euro via ATM and pay same fees just once.

Can I transfer $100 from US card to EUR card (with conversion to EUR ofc) and use it to pay in shops without additional fees?
Or is EUR card only an option to receive payments in EUR. Without a way to transfer anything from my USD card?