I mainly use my N26 card here in the US, because I believe the conversion rate is cheaper (I never actually checked).

If you are in the US, the instant notification of credit card swiping is mostly useless in restaurants, since it doesn't show the tip until the transaction is actually processed a long time later. A few restaurants ask you to go in the back with them to type your pin, because they have a chip reader, but they don't yet have the wireless "gameboy" (it just occurred to me that pin+tip might be a tall order, the pin protects the amount too).