I got a new USAA card a couple of months ago because of the reputed 1% foreign charge. However, when I compared the USAA bill to the interbank rate(which I track on my screensaver) and the one United MP Visa charge, all of the charges were actually higher. They are either using a different currency conversion base rate or hiding the first 2% in the conversion before they show the additional currency change fee. I'm disappointed and I'm going to cancel the card. I might as well get miles, if the fees are the same.