According to documentation I have from Commerce Bank in NJ (and many other states) they absorb the 1% fee on all ATM transactions and POS transactions.

Also, Capital One correspondence claims that they don't have any additional fees. Not sure if this is correct:

"Thank you for contacting Capital One.

Currently, accounts are not assessed additional fees with foreign transactions. If the terms of your account change, you will be notified.

Your Customer Agreement is a good source for detailed information about charges and fees on your Capital One. account. If you have further questions or need additional information, please call us at 1-800-955-7070."