Originally Posted by lsquare

OMG! You're right! I totally forgot about that. I just quickly checked the math and there's roughly a 1.5% difference between market rate and what's on my Citi account. I think Marriott does have a warning on their website about a surcharge.

Doesn't MC have a currency calculator online?

I think I might have learned a valuable lesson here. No matter how good of a conversation I have with anyone, I need to operate the terminal!