For all of you that want to test out you card for foreign fee transactions before your next trip, try:

www.allofmp3.com

Buy $10 worth of downloadable MP3s (the current minimum), the bill is in Rubles so you can check your credit card bill online after 2 days to see if there is an extra charge......(BTW, allofmp3.com is the cheapest place on the net to get songs and it's very reliable, so it's at least a good investment for the ole' Ipod.)

I recently did this with my MBNA Amtrak MC only to find out that it's now 3%.