It's funny how the same banks that charge 3% FX fees for their credit cards charge only 0% or 1% for their debit cards (like Citibank).

I don't use my Bank of America debit card very often, but I believe it's one of the few debit cards (with Visa logo) that does add the extra fee. B of A really nickel-and-dimes customers who travel abroad, with not only the credit/debit card fees but the $5 off-network ATM fee.