"Do I keep it?" is the question, I am asking myself
As I mostly stay at overseas hotels, I am wondering if I should still use the card.
Several cards have a zero commission on currency exchange for the charges made with those cards.
The commission that I am presently being charged is 2.7%, so I pay $13.50 to get 1,000 SPG pts (when I pay my bills at Starwood properties), plus I have to pay for the (increased) annual fee (and as I buy quite a bit more than 45 nights a year, I do not need the 5 nights credit).