My credit card (CITI/MC) notified its customers that all foreign transactions will now carry a 3% finance charge.

I have not checked by phone with them but I believe that this will be in addition to the 2% that Visa/MC charge (foreign currency transaction)separatedly.

This charge is for regular expenditures/charges such as hotels or meals. Cash withdrawals are much worse.

Credit Unions used to allow fee-free charges in foreign countries; in other words it was just like using the card at home.

Question: Does anybody know of fee-free c/c to use abroad?

Thanks,

JA [Hope this is right place to place this]