On the wiki it says that the JCB card charges 0%...but doesn't this (from their terms and disclosures) indicate they charge 1.1%? Or is that something else?
Currently, we and our affiliate company use wholesale exchange rates, with the exception of certain currencies where there are government-mandated exchange rates. In each case, such applicable rate will be increased by 1.1% by our affiliate company as an exchange fee and we will bill you for the U.S. dollar amount so calculated.