For the last couple of weeks I've been receiving letters from Citibank changing the terms of my (numerous) Citi credit cards. They all include this sentence (emphases as they appear in the letter):
Transaction Fee for Foreign Purchases. We add a fee of 3% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency. This fee is a FINANCE CHARGE.