How much for 300 euros

I found that exchanges charge about .07 % on top of exchange rate +between 7usd to 15 usd per 100 for cash. I only got cash on time but have a capital one card . used it like I do in stares. Bank covert at market rate no charge. When I changed USD FOR EUROS the rate was .82. The exchange rate was .72 that. 82= 1.21 usd 72= 1.31 + 7.50 so 100 euros cash cost 17.50. Buying with card was covered at 82

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