Credit Card vs. PayPal exchange rates

[rfranzq]

Originally Posted by bylo

Note that on a $20 purchase, i.e. one directory, a 2.5% commission on FX works out to 50¢. I'm not sure why it matters which method one uses. Now if you're buying something that cost 10x or 100x more then that's a different matter.

It is not just commisison---Capital One and Discover do not charge the 1% commission most other credit cards charge. The exchange rates are not the same either. And indeed that is where the larger amounts are really going to ad up. Of course, the people on this forum are cheap [or stingy or frugal or thrifty]. If you know which has better savings in small things you will be more confident in the larger things.