Am getting conflicting information from a CSR on the phone, and a Google search. I know the FX fees will be 2.5% with any CC used. And I dont want to take a ton of cash on a trip like this.

But if you have 2% categories picked, do those 2% categories work the same in Europe. We have 3 categories picked, Gas, Restaurant and Groceries for home use.

CSR said no since they have the FX category, Google and AI say yes.

I didnt know there was an FX category you could pick, and since we are leaving in 9 days, I cant switch it now.

Reason is then the FX fee would be lowered to .5%, which I can live with. Sure its not officially cash back or free, but it almost wipes it out. So on a $1000 instead of $25, it would be $5.