Just a single data point: I used the Chase Sapphire UR Visa for a forex transaction today, and I received a rate that was roughly 1.30% higher than xe.com. This will result in an extra $2 expense for me, so I'm not going to worry too much about it, but in the future I'll either use Schwab, as long as terms haven't changed, or (gasp!) Cap1, as I never noticed such a high discrepancy with other no fee card before.