Hi have a Schwab bank ATM card and use it frequently in Brasil and the U.S. While the fee return works flawlessly for U.S. transactions, it does NOT work for Brasil. I have to call them up to get my ATM fees back, which they then credit without a problem. They've called this a glitch in their software.

I also use a Capital One credit card in Brasil and they charge no exchange fees and, as I've tested them charging identical amounts on their and another card the same day, the identical exchange rate.