I also want to chime in that the recent rates in Chase Sapphire prefered was terrible. And I had questioned Chase on the rate because I checked the rate visa published on their website and Chase didn't use any of the visa rates whether it was day of spend or day of posting. It was ard 1% difference. Unfortunately Chase CSR was of no help and the difference I lost was only $20 USD so I didn't press any further. But now I have to be more careful and monitor for foreign spend.