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Capital One Quicksilver
I will have free data and text in all of the countries (Japan, HK, and other) through my plan at Tmobile. I can call for free through WiFi if needed I have Capital One Quicksilver Mastercard CC which will be my main as it has no foreign transaction few Any cash will be taken out using a no ATM and no foreign transaction fee cash account I will always choose to do any transaction in local currency and allow Mastercard/Visa to do the FX conversion.

I didn't find the right solution from the Internet.

References: https://www.fatwallet.com/forums/travel-discussion/1584518

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