Do all cards charge a commission if using your card in the USA? I've just received a statement (Morgan Stanley) that charged 2.25% 'foreign exchange' commission on every transaction I made in the States. I have travelled to America a lot over the years and never noticed this(perhaps they've shaved a couple of cents off the exchange rate in the past to cover it?? and I've not noticed!) The reason I am concerned is that if I decide to join DVC using my CC I am looking at over £200 in charges.