It depends what country you are in. If you're in the US the Bitpay card is probably the best way. $10 to get the card itself, but an extremely competitive echange rate. Top ups with BCH are 0-conf. $3k daily ATM limit.

The Shift Card is another option. It also costs $10 for the card, and is linked to your Coinbase account, converting crypto on the fly when you swipe the card. I'm pretty sure the resulting exchange rate from this setup is not as good as the BItpay card, but you can also use this one with LTC/ETH/ETC. Daily ATM limit only 1k.

If you're not in the US, I would look at Uquid. They have a range of debit cards that can be topped up with alts, including STEEM and XMR. Not sure what their rates are like, because I'm in a country they don't serve.