After experiencing heavy fees from WAMU using thier Mastercard for purchases and Debit card for cash in thailand, I did some research and ended up getting a MC from CapitolOne (the only card I could find that charges NO "Foreign currency transaction Charges"). I opened up a checking account with Bank of Internet of USA to use only for my trips to Thailand. Thier ATM card has Zero fees overseas. They offer a Debit card also, but then you get hit with the VISA/MC built-in 1% Foreign transaction fee. I feel an ATM only card is safer anyway. If lost or stolen, its useless without a PIN.