The Schwab card would have come in handy when I was in the Dayton area last year. Had to use my BoA card and eat fees (no BoA branches anywhere near Dayton) because few people at the event I went to were set up to take credit cards. In fact, that's pretty much what got me to apply for the account.

I also heard reports of Schwab not automatically crediting ATM fees from foreign ATMs, but they credited fine for me when I went to Mexico last month. ^