Most of the problems have gone away when we alerted the credit card companies in advance that we were going on a trip. Then their alert algorithms are different. When there is a need to go inside it is not a big deal as we usually need to hit the restrooms anyway.
We use cards that provide points for hotels and as a result 90% of the hotels we have stayed at in the USA and overseas over the past 5 years have been at no charge and include an upgrade to the concierge level rooms. The dollar savings is far greater than we would get with the pennies saved at the pumps by paying cash and we also don't want to carry that much cash when we travel.