Now that BofA (MBNA) Amtrak is charging a 3% fee for Forex, Im gonna be moving over to the HSBC card. The HSBC card is suppose to give out pts that can be used for tkts somehow, I believe that its tiered the more pts the more they refund you for a tkt that you buy using the card, up to $400 off atkt. so that way one will still earn miles etc on the actual flight.