I am planning to apply for the Amtrak MC as I am seeking a way to earn United miles with a low fee card and incur only a 1% foreign currency fee. The Amtrak card does that.

I'd like to know if there are any users of the Amtrak MC out there who could tell me if they've hit any problems with the card?

P.S. I know there are those who prefer the Starwood Amex card. The problem with that for me is that it is still Amex and a lot of places I go overseas only take Visa or MC.