I hate the fee, and just for that reason, I carry the Capital One card for years now.

c_stanley,

However, I did not realize they charge the fee even if the transaction is made in USD. Are you sure if LAN.com didnt actually make the charge in foreign currency but showed it to you in USD? I have recently made several purchases overseas and used my citicard (knowingly for reasons) and have been only assessed the fee when the transaction was in foreign currency. I made a purchase at an international airport where they specifically charged in USD, and I did not get the fee assessed.