I use my Discover card. I feel like practically every financial institution charges a 3% commission on FX rates. So whatever the daily rate is, you're paying a rate that's 3% worse. I think the real killer is the foreign transaction fees. Discover doesn't charge one so I use it for my foreign purchases through paypal. I think that saves me more money than a slightly better FX rate. And yeah I get a little cash back too. I make the mistake of wishing I paid days ago too. A little while ago paypal was like 114 something but when I paid it was down to 112 something. Doh!