Two fees, not one
You often pay the card issuer's ATM fee plus the local ATM operator's fee — and FX on top if abroad. They stack.
Free limits and caps
Some cards offer a monthly free-withdrawal allowance; beyond it, fees apply. High-frequency cash users should weight this heavily.
Pick the cheapest for cash
The ATM use-case ranking sorts cards by ATM fee and net value at high withdrawal usage.