Having ditched my UA MP Visa card when THEY raised their FOREX rate to 3% and having acquired an MBNA Amtrak card in its stead, I'm certainly not going to tolerate a 3% charge from them. I registered for the bonus points promotion discussed above, and will make it on foreign charges incurred prior to 5/25. Thereafter, I will use Amex abroad until I receive my newly-applied for CU and Capital One cards. After 5/25, I'll keep the MBNA card solely to be used when buying slow train tickets, and plan to use my points if and when they bring the somewhat-faster moving Acelas back into service. Having suffered countless weather-related problems with the US shuttle, I really look forward to taking the Acela to DC again.