The Leonardo hotel I checked into last night apparently has a 0.35% (?) DCC markup, which is probably the lowest I've seen on this trip. That would almost make it worthwhile if you had a card that didn't charge FTF for USD transactions but did so for others (like apparently my BofA Visa card). Should still decline out of principle, though.

Yikes, that's what I was pushing, so it's probably doing the same for foreign cards too. I guess I'll see what Schwab reimburses me for in a few days.

BTW these are the EUR presets currently: