Whether you travel for business or pleasure, you know that making a long-distance call with a calling card can cost a fortune. But what are your options?Dialing direct from a hotel room costs even more. With a debit card, you don't get a detailed invoice-- presenting difficulties for accounting and reimbursement-- and if you lose the card, you lose its remaining value. That brings us back to calling cards.

Competition has reduced rates among the big three (AT&T, MCI, and Sprint), but they still sock you with hefty surcharges that newcomer discount phone companies don't. Here's a rundown of costs for three vendors on four common types of calls: intra-United States; United States-Europe; Europe-United States; and intra-Europe.

Which service is cheaper?You make the call.
-- G.H.