> 5) Only works in one currency and in one country (without paying massive fees) There are a lot of cards which charge nothing for foreign transactions. To nam

> 5) Only works in one currency and in one country (without paying massive fees) There are a lot of cards which charge nothing for foreign transactions. To name a specific example the Capital One QuickSilver card. If you look around the market there are several more which offer a variety of other things in addition to that (depending on your needs and credit). I've also got a zero foreign transaction CC in the UK from Halifax.