I hope someone can help this newbie. I won't have 3,000 charges in 90 days to get large bonuses - unless anyone has ideas on that. Looking for card that has high (1.5 to 2) cash back or miles that can be converted to cash, and no fex (for exch fee), and car rental cdw good in Israel (last is important). Sort of need card soon - going to Israel in Jan. I have just had problem in buying tkts on american website for foreign airline and got charged fex - happened to me with uia (paid 600 r/t) and to a friend on el al. Most cash back cards seem to chg fex.