Leaving in 2 days for Norway so called the various credit cards today (6/28)to check the foreign conversion rate. All apply the International Exchange rate on the day they receive the transaction from the merchant and United Visa First Card adds 1% - BA Visa First USA adds 1% Diners Club adds 1% Amex adds 2% -So I guess I'll use my Diners and Visa and leave Amex at home!