1057 on WU is good. how much were the transfer fees when I last used it, it used to be very high. With fees added, not sure whats the real rate.Right now visa is 932, WU today was 1057. I still prefer to get more than 10% discount by using WU compared to cards.
Cuevas gives out 995 for 100 USD bills these days.
I got sick and tired of carrying 1000 wad of bills in my pocket. If you can financially afford it, credit card is the smartest way right now.