The main US dollar credit cards we use are VISA and MasterCard, or American Express. The exchange rates of these organizations are reasonable international exchange rates, but our credit card bank will charge 1-2% currency exchange rate conversion fee, which I think is what you call loss.

and the currency exchange rate conversion rate of this credit card needs to be specifically inquired with your card-holding bank.

Of course, at present, some domestic banks, such as Bank of China and China Construction Bank, offer credit card discounts that temporarily exempt currency exchange rate conversion fees.

I hope the above answers will help you.