I have an ATM card with a Master Card logo, meaning anyone who takes Master Card will accept my ATM card. So even though I'm "charging" I'm really paying cash right out of my checking account. I take about $40 out at the start of the trip for small purchases, tips, cart vendors and so on, and if I need more I just hit up the ATM. Works very well, and no credit card bill!
The only thing this doesn't work for is a car rental, the car companies want a "real" credit card. Otherwise, it works for everything!