Originally Posted by themicah

It absolutely is appreciated. We also appreciate the patience of the Woolworth's clerk who let you ring up six identical transactions in a row!

It would of course be even better if we can continue to get tests like this spread over time so we can see whether the Chairman Amex is just happening to get a better rate on a particular day or if it consistently does better than the Visa cards.

FWIW, in my friend's recent tests, his Citigold ATM card has consistently gotten slightly better rates (<1% better) in several trials against his TD Bank and Schwab ATM cards in identical, serial transaction tests like this in several countries. So I wonder if Citi processes its own forex transactions and is therefore able to provide better rates, as opposed to some of the smaller banks and CUs that seem to use Visa/MC to do the forex transactions for them. Or it could just be luck of the draw on a given day.