Imo believe the confusion on this issue is due to the difference between an Aruban establishment putting a charge through to your credit card company in florins.
paying with credit card, travelers checks, or what?
Credit cards companies will charge a fee to convert the foreign currency to US currency.
We have stopped using our AMEX Gold and Platinum because we had been charged the 3%. It was from using the card at restaurants, sorry do not recall which ones.
We have used AMEX at other Aruba establishments and not been charged the 3% transaction fee, but obviously the business put the charge through as US dollars and not florins.
Credit card foreign transaction fee (updated 2/26/2010)
I hate to see visitors to Aruba receive an unpleasant surprise with charges they were not aware of, upon arriving home to their credit card bill.