There is no CC that charges only 1% foreign exchange over the interbank rate - interbank is the only thing even remotely close to "official" (but it's not because there's no such thing as a centralized global rate) and every bank in the world it going to base their buy and selling prices off changing markets - you can compare to the interbank but it's always going to be MULTIPLE points up and down for a decent spread to prevent them from losing money. Even higher spread when compared to any conversion look-up tool or calculator you may find and think is the "official" rate. PayPal is very competitive with CC rates and in fact better when compared to CCs that charge additional transaction fees ON TOP of the exchange.
When you use a tool to check exchange rates, you're probably getting someone's mid-market rate, which is calculated as an average of buy and sell. Check for example
XE - The World's Trusted Currency Authority
A 2.5% exchange, for a 5 point spread between buy and sell, is good.
I've worked in banking in the past (6 years) and I've been doing commercial PayPal and ForEx for over 10 years.
You can also use a CC (processed by PayPal on any site that uses PayPal) without a PayPal account. Security policies/precautions by PayPal may prevent this for some cards, some locales or some people. YMMV.
IMO, there is no better processor online today for security than PayPal. This is great for a buyer and also for a seller, even if they sometimes have overzealous policies. Their transaction fees are also lower than most merchant accounts for most small businesses.