http://romsdeals.com/2013/05/08/fide...rnational-use/
There was another guy that had both Schwab and Fidelity and pulled the same amount of cash at the ATM at the same time (no FTF).
If you get the Fidelity Amex, that charges 1% FTF but rebates 2%. So, for your foreign purchases, you just get back 1%.