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Chase Hyatt Visa charges

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In the past I've mainly used Capital One when in Europe for charging. For any charge I can go to XE.com and it will give me the rate charged or the conversion amount from euros to dollars and the exact amount charged to my card will be within pennies of that -- after I add 1% which VISA charges above that rate. .

I now have a Hyatt Visa Signature Card from Hyatt which claims there are NO foreign transaction fees. So I charged a prepay hotel on the card. Online on my Visa account it shows the amount I was charged in US dollars. It is 1.1364 times the Euro amount, which seems high. The date of the transaction was 7/22. If I go to XE.com it shows the rate on that date at 1.089. If I go to the Visa.com site and look up their currency exchange calculator it shows that on that day they actually charge at a rate of 1.09699 which is about a percent higher -- just as I expected. But for some reason, although Chase insists they only charge me what VISA converts it to -- I am paying about an extra 4%. On this transaction alone it is about $30. I have called and spoken to two different supervisors at Chase and both insist that absolutely VISA is the one charging that amount. They say some Chase cards do charge 3% for foreign transactions, but my card absolutely does not and they have simply passed on the exact charge amount in US dollars provided to them by VISA. I called and spoke to a supervisor at VISA who insists that they only charged Chase at the rate of 1.09699.

So who's telling the truth? And what does this tell me? Should I just leave that Hyatt card at home and use my Capital One card? I'd love to be getting Hyatt points over the Capital One rewards.

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