I am travelling to US soon and will be given one of these cards loaded with euro as a reward through the business. Has anyone used them abroad and is the exchange rate huge. It says on site 2.75% conversion fee but I’m not sure if that’s for loading with dollars or per f exchange transaction that is in $. Also, it says €3/month maintenance fee on card but I think only after 12 months. Is the Perx card the best reward, prepaid gM/Card for use in US ? Thanks.