ATM cards without the Visa or MC logo can be used for cash withdrawals in foreign countries with some success. Usually the ATM card will be part of a network like Cirrus, but there are many such networks, and my ATM card has 3 or so. Now that's not to say it will work as well as a fake Visa or fake MC (that's what Clark Howard calls the debit cards), but I've often got money with my ATM only card. I'm a "no fake Visa" guy, so only have an ATM card and one time (out of very many), the machine refused to cooperate, even though it had the network logo on it. I had to use a cash advance on a credit card and that was painful. The other thing about ATM cards is that, at least at my CU, they don't accept info about trip location and date. So if their fraud detection stuff is tight, you might be outta luck.