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I wan to know what the costs of using an American credit card in a foreing country are or it will be better to change dollars into the foreing currenc

Ask your credit card company what fees they apply to transactions conducted in foreign countries. It could be a flat rate, a percentage of the exchanged currency, or both. Expect that there could also be fees on the other end from the ATM/bank you're using abroad. If you have a mainstream checking/savings account, your bank can probably exchange currency for you too, for low or no fees. If you're expecting to make multiple transactions abroad it might cost you less to covert the money ahead of time (in bulk) if you know how much you'll need, versus charging internationally.
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