Look here. The link goes to the last page of the thread (as of this writing) but click back a few pages on that thread to find out more about the specific MBNA cards not charging 3%.

I'd say to be on the safe side, however, try a card from Capital One, Household Bank, or a credit union to avoid the risk of MBNA switching terms on you. (Patelco is a good choice for a 1%-foreign-exchange credit union Visa card if by some chance you don't qualify for membership in another credit union.)