I just wanted to thank everybody. Because of the discussions here I got one of those Capital One No Hassles cards. When I went to Canada this summer it seems to have given me a good exchange rate with no commission, as promised. I don't travel abroad constantly, but even two or three times a year makes it worth it, particularly if you put big hotel bills and such on it. I could also use it for overseas mail order. I've put away my Citi card. Eventually I'll cancel it.