The Chocolate Finance Visa Debit Card is a 0% FX fee card, so you pay no foreign-currency markup when you spend overseas. The Chocolate Finance Visa Debit Card is quite a mouthful, so I will just call it the Chocolate Card for the rest of this post. When I first reviewed it back in 2024, I struggled to come up with a compelling reason to apply. It was just another 0% FX fee card in an already crowded field. That has changed, maybe just a little. The card now earns miles on your spend, which is the one thing that makes it stand out from the rest, and the reason I am revisiting it. I hold the Chocolate Card, though I will be upfront that I do not actively use it these days. I collect air miles primarily, and my everyday spending goes on cards I have already set up for that. The Chocolate Card still sits in my backup rotation, and the miles angle is worth...