Used the card in Budapest and Amsterdam. Twenty-plus charges, no fee. My Capital One card has the same deal, and didn't add fees to the few charges I put on it while I was away.

Has anyone done the math to determine if it might be more cost-effective to cash advance from the Marriott Premier card when using foreign ATMs than to use a debit card? My bank (Wells) charges a 3% foreign transaction fee, plus an ATM fee and the other bank's ATM fee, which, in foreign countries, seems to be $5. Taking out $200 in cash costs $13.50. I'm too lazy to do the math, but if one pays off the card in full each month, is taking the cash advance better than using the ATM? Or does anyone know a bank that doesn't charge the foreign transaction fee on ATM use?