I think you are drastically underestimating the difference in the exchange rate you will receive. I think it will be close to .50 of 1 point. 12,500 baht difference vs 1,000 baht difference. If you are correct that the difference is only 1,000 thai baht then you shouldn't even consider Wise.
Sorry if it's already been suggested because I didn't read all of the comments. But just apply on-line for an American credit card with no international fees. There are several of them, even the card you have the bank probably offers a fee free card which you can trade.