I just realized both my credit cards have a 3% foreign transaction fee, what should I do?

It’s too late to apply for new credit card because I leave for Japan in a week. I like the security of credit cards but 3% is quite a bit.. I may just have to take the loss this time and get hit with 3%.. What would you guys do if you were me? I guess I can safely top off my suica with debit, but I’d prefer to use credit cards for hotels and bar tabs.