MBNA and Capital One are the major credit card issuers still at 1%. The rest add additional surcharges, usually totaling 3%.

Many local credit union and smaller bank issued cards also only have a 1% fee.

But the cheapest way to get foreign cash is to use an ATM card issued by a bank that does not assess network fees, and to withdraw the money from an ATM that does not have an ATM fee. (Most ATMs outside the USA do not have a fee.)