I honestly never saw the point, I just keep at least two credit and ATM cards with me, one of each in the hotel safe, and one of each on me. If it gets lost/stolen, they can usually be replaced within 48 hours anywhere in the world, and maybe 72 if you are really out in the middle of no-where.

To actually answer the question, I haven't seen a place that lets you get them no-fee, and if you do, make sure they don't run it as a cash advance.