dgordon; DC & CITI AA(MC) charge 2%, I believe that's on top of what the local franchise charges so it's more like 3%.A way around this is to put the $$ into your checking acct and withdraw it at a local ATM. Call your bank 1st my checking is at a savings bank that doesn't charge from their end and when recently in LONDON the bank(ATM) there took $.60 for the trans. The bad pt most banks in the U.S> allow a max of $400 per day. Try to get car rentals/hotels to quote and prepay in the US in $$ and NO %%charges. A good piece of advice CITI-FI & XCOM gives you back the $$ that the foreign ATM's take up to $6 a month or X transactions I beleive check it out if you signed up with them.