I'm using BBVA's Clearspend.
Here is the link to there terms and conditions.
I went with them because it was easy and other than a small, I think $5 setup fee, there are no fees. I have a small auto transfer from USAA to the account each month. If the account builds I use a BBVA atm and draw it down. It just depends on our travel and gas price. After our west coast trip I used it at several stores in the local area to draw the balance down.
The card acts like a Debit card with pin, but also functions as a credit card without pin. I stay away from the credit end as it puts a hold on funds until transaction clears. Debit no hold.
There is a Foreign Transaction Fee:
10. Foreign Transactions. All debits to your Card will be posted in U. S. dollars. Card transactions made in a foreign currency are converted to U. S. dollar amounts by Visa, using the then current currency conversion procedure and rate. Currently, the currency conversion rate is either a wholesale market rate or a government-mandated rate in effect the day before the transaction processing date. For each Foreign Transaction you will be charged a Foreign Transaction fee equal to 3% of the transaction amount. This Foreign Transaction fee will be posted as a separate item on your card transaction history. This fee will be charged whether or not there is a currency conversion in connection with the Foreign Transaction.