Just found out another feature of Schwab that really makes it's value even higher. Used my card again without issue on a recent trip through UK, Greece, and Italy where some currency was needed, especially in Greece. During our trip one of our flights was canceled and we were eligible for EC261 which of course is paid in Euros (since the airline was a European airline).
Was researching where to have it deposited to minimize fees and found out that Schwab will receive a Euro deposit (or any FX deposit) with no fees and then will route it to your Brokerage account using the spot FX rate on the day of deposit.
You can then transfer for free over to your checking account (you can't currently receive FX into the checking account but you can into the Brokerage account which is free with your High Yield Checking Account).
They have banks around the world set-up to receive FX wire transfers (in this case Citibank AG Frankfurt receives the funds).