A friend of mine has a theory that the only reason CapOne doesn't charge forex fees is that they are too incompetent to implement the change.

Given my own experiences with their customer service (20+ minute call to try to add my wife to my account, then no card shows up in the mail), I'd say that theory may hold water.

Anyway, I still use them when I go overseas as my main card. Luckily I haven't needed customer service (and I carry backup cards with fees just in case).