Originally Posted by
wco81
I've used MasterCards and their rates are consistently lower than Chase. In fact, pretty sure my BofA Cash Rewards Visa is lower as well. (I have the grandfathered Schwab visa so no FTF).
You're mistaken.
If you have a charge on a Chase Visa credit card that posts the same day as a charge on a BofA Visa credit card, the exchange rates will be identical. (And the foreign transaction fee, if any, would be a separate transaction item on your statement.)