There's virtually no way to get rates as good as the ones through RCC for online transactions.
About the best deal available that I know of is via Costco.
I'm sure you are aware that the RCC rates technically do not apply to non swiped transactions but I won't tell if you don't.
I also know people who have never renewed the RCC membership but still get the same rates for many years.

"What else could I do? I had no trade so I became a peddler" - Lazarus Greenberg 1915

"What else could I do? I had no trade so I became a peddler" - Lazarus Greenberg 1915
- answering Trolls is voluntary, my policy is not to participate.