There's no need for this thread to be so long. If you are a US citizen, the answer is Schwab. Period.

Schwab Visa
-No Annual Fee
-No foreign transaction fees (0%)
-2% back into your investmestment account, (which can be electronically transferred to Schwab Checking = cash), on all purchases.
-Competitive exchange rates that basically mirror the actual rate with no additional fees.
-Visa, so its accepted most places (as opposed to Amex or Discover which has less overall usage internationally)

Schwab Checking/ATM
-No minimum balance and still earns interest (currently .75% APY)
-Refunds on all ATM fees domestic and international
-No foreign exchange fees (0%)
-Competitive exchange rates that basically mirror the actual rate with no additional fees.
-Visa/Plus network, so access to alot of ATM's worldwide.

Unless you actually have a product that beats this, please stop flooding this thread with misleading and unecessary information.

Everybody claims to have a better product but there is always some catch, like being a Citigold or HSBC premier customer, or BOA having a limited network of free ATM's. 112 pages of thread, and I haven't really seen any combo of ATM and CC that beats Schwab, and essentially this is repeated over and over again. If you have an international ATM/CC combo better than Schwab, read the posts then tell us why its better. Don't just post something that's not better and make the thread longer.

I just get frustrated when the useful information in a thread gets lost to overposting which leads to more overposting. In the end the answer is the same but people looking for answers can't find it anymore.