It seems like for the programs I have, I'm out of luck. My only no forex fee CC is IHG, and Chase doesn't offer chip for that card. BofA does for my AS card, but there's a forex fee. The places I earn points/miles in various degrees are: AS VX UA WN SPG HHonors IHG Best Western A reasonable annual fee (especially if includes a perk) is acceptable. Thoughts?