Indeed they are, and dmapr specifically cited 0% FTF cards in the above post. Ironically, back when many US cards had a CEF instead of a FTF, accepting DCC would make sense in cases where the CEF was lower than the cost of DCC since you'd earn points on the whole transaction amount but not the CEF. 15+ years ago, DCC was far less egregious than it is today. I remember seeing DCC being < 3%. Over time, US cards switched from CEFs to FTFs, and many travel cards later went to having a 0% FTF. In these cases, accepting DCC never makes sense, and DCC fees are now 4-5% or higher compared to the Visa/MC rate.