Originally Posted by
tmiw
Not sure if DCC is automatic or if the merchant has to opt-in. Since Costco's currently selling $99 EMV terminals (effectively free if the merchant claims the AmEx rebate), there might be a whole bunch of smaller businesses who will soon be DCC enabled if the former.
I'd say it's probably not automatic, but that's just a guess. Filing a best rate guarantee claim would be like pulling teeth. They also know few people will bother to go through with it.