Discovercard has quite low acceptance outside the US, but it’s interesting because it offers the straight interbank forex rate. So in principle it’d be interesting to use in non-USD regions.

The problem is the low acceptance among merchants. So it would theoretically be interesting to use the cash advance mechanism. One can deliberately overpay their bill so there is a credit which avoids the interest charges. Of course a problem remains: the extortionate 10% cash advance fee.

Credit cards sometimes cancel the cash advance fee as a promo. I don’t think I’ve ever seen discovercard do that.

Has anyone tried to negotiate to have the cash advance fee removed? I think some banks are willing to negotiate that in advance.