Charles Schwab now has a entry code just like Amazon started

[GGD]

Schwab forced this a few weeks ago on my wife's account (but not mine), and I just selected the option to confirm via email, and once I did that there was an option to "remember this computer". It hasn't asked again.

[dk62]

I think it is the other way around. If you choose USD the terminal owner does the conversion, if you choose local currency, the card issuer does. In the first case, you would also not see any conversion fees, but the rate would be worse than in the latter. There is a number of credit cards without the conversion fee, you just need to be careful which to pick. For instance, Barcley AA card, Chase Marriott card, most Capital One cards...