Schwab card's exchange rates are close to 0.01 to 0.03% difference comparing the historical Mean IntraBank rate of the day based on my experiences. This is THE card we use whenever we are abroad. Although we also have other 0% forex cards but this card gets all the usage unless it is declined. (happened twice in our Spring trip most likely due to the clerk / cashier swiped the card too quickly and repeatedly and nothing else.)