FYI, Citi is now actually charging a full 3% foreign transaction fee for USD charges made outside the USA.

I have a monthly recurring charge (in USD) from an internet hosting company in New Zealand that I've billed to my Citi Mastercard every month for years. For the first time, my March statement added a 3% foreign transaction fee. I called, and they confirmed this is a new policy effective with my March statement (since I didn't reject the change of terms they sent me in January).

I guess I need to move that monthly charge over to my Schwab card...