Tom,
Regent and Oceania use a bank in Ireland to process their credit card charges. While Bank of America is using this fact to increase revenue, other cards such as AMEX and some MasterCards do not impose a foreign transaction fee unless the transaction requires a conversion from a foreign currency to US Dollars.
As a good-will gesture, upon request, Regent will give you an OBC or check for the amount of the foreign transaction fee imposed.
