Join Date: Dec 2008
Location: Mostly living in the basement
Programs: Free Agent Level 2; MR LT(!)TE, HH SE, ALL SE, BAC Silver, DL MM, UA PS, 2V Fanboi, CBP GE
Posts: 5,362
I can't answer the first, but as far as exchange rate on my recent trip Chase effectively charged me the same rate as my bank did for ATM withdrawals (accounting for daily fluctuations). And unrelatedly the chip worked everywhere I tried it (Europe and Asia).