I think the Fidelity, Schwab et al ATM fee reimbursement is a bit of a loophole which benefits us. Since they don't have any of their own ATMs in the U.S. they need to offer the fee reimbursement. The fact that they extend that internationally, and that the Thai Banker's Association sort of controls these fees, works out well for us. I think Fidelity may have a monthly limit on the number of fee-reimbursed transactions (like 5?), but I've never hit that. I also think there are some countries (U.K., France, etc) which have similar cards, based on my vague recollection of some posts on ThaiVisa.

There also seem to be a lot more foreign fee (3%) free credit cards available in the U.S. now; at least it seems that way to me.