i use the amtrak mbna card when im travelling abroad. i read in that other post that mbna started to do 3 % rather than the previous visa 1%. i dont think this is true, i was in israel in mar and just calculated my charges using xe.com and then adding one percent and all the charges on my bill were correct (or slightly less than the converted amt+1%)!
so for now im stickin with the mbna card...