I think he means that he makes money just like I do off the MBNA card. The fee is less than the cash rebate (1.5% for the MBNA card).

pgary, I understand your point, but I think it is misleading to put a special note on the table about cash rebate or rewards in the "Additional Fee" column. Rebates and rewards are not tied to foreign transactions, but apply to all purchases. Most of the cards listed have some kind of rewards program.