Any "Wise" (formerly TransferWise) Experts out there?

I have a lot of international travel later in the year and am hoping to take advantage of the current strong dollar to purchase currency now. I know I can buy paper cash from my bank, but the rates aren’t great. I’ve heard good things about Wise, and it looks like good rates to purchase currency now. The issue I see is that taking money out from an ATM down the road comes with a 2% fee for withdrawals of any size, which seems like it could erase a good deal of the benefit. I think it can also be used as a credit/debit card without that fee. Is that right?

Is there something I’m missing about how this could work to my benefit? Specifically, I’d like to buy some JPY for a trip in December.

Thanks in advance!