Trust me, I'm taking notes! I've tried researching this, but "credit card company that sends TOTP over email" is not really Google-able. Revolut is on my list now, though. Thanks!
I travel with debit cards from 3 different banks for this reason.
Look for banks that issue virtual cards that can be used with Apple Pay / Google Pay. But you also need ideally two physical cards, since one bank may block your physical card for "fraud" while traveling, and now you're stuck and unable to buy a train ticket.
Credit cards are only necessary for car rentals, which is a major pain, but sometimes they can just make a reservation charge of 1000 EUR that they later cancel.
The benefit of virtual cards is that you usually get a notification (if you have internet) that your card is blocked, and details about the transaction, which makes it easier to unblock, and understand why the transaction/card was blocked.
Also need credit cards for some hotels, and a high limit if you plan to stay at several hotels in quick succession, as it takes a few days to weeks for a hold to be released.
With several of my (physical) credit cards, I get an SMS and Email when a charge is blocked, and I can log into my internet banking to assert that the charge was actually me. About 5 minutes later the card is unblocked and I can retry the charge.
