FWIW, the Amtrak MC, also an MBNA card, is similar. No additional forex fees of any kind. Most forex transactions come out within a few cents of the interbank exchange rate you'll find at oanda or xe.com. I know that someone had mentioned a few months ago (in this thread perhaps) that the Amtrak MBNA card had introduced a 3% (total) forex fee, but that's just not been the case with the one I use, at least not so far. There are two kinds of Amtrak MC's; this is the green one (the only one available at the time of our enrollment), which offers 500 bonus points for first use. I wonder if the fancier Amtrak MC charges a 3% forex fee? Or perhaps this feature was grandfathered on our card? At any rate, this is our card of choice for forex transactions, and we also have a CapitalOne cash-back VISA, in case the MBNA Amtrak introduces a forex fee.