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I just came back from a month's long vacation in Europe and had a few questions in regards to FEF. I will be returning before the end of the year and wanted to prepare myself for the next trip. I used my Amex Platinum everywhere that I could to take advantage of their no FEF offer and it worked out great. I checked the transactions after confirming the exchange rate at the time of purchase and they literally don't charge anything at all. So if the exchange rate was $1.34 per Euro that day, that's what I paid. Unfortunately, American Express was not accepted in too many places. So I was forced to use a VISA in these location. When it came to my Capital One Platinum Venture card, their no FEF policy was obviously an advertising gimmick. The exchange was heavily adjusted in their favor. So while there was "No Foreign Exchange Fee", I was still paying about ~4% in the currency exchange. Does anyone know of a VISA or Mastercard that adopts the same exchange rate and no FEF policy as Amex Platinum? Thanks in advance.