..... don't speak too soon. It's still to be seen whether we keep these terms or not. I spoke with FIA Card Services, and they said it was "under review". So far, so good. They did say that all new cards (when expiring, or if you lose yours) will be re-branded "FIA", and while that doesn't mean the terms change then, I'm not sure such a sweet deal (no foreign transaction fees, 2% deposited into your Schwab brokerage) will survive....