This year, when packing to go on holiday, I forgot the deck of cards. However, I did remember some dice. So, for Savage Worlds initiative, we reverted to rolling 1d20, with the 20 counting as a joker. This makes jokers a bit more likely (1/20 rather than 1/27), but it’s the same for everyone, so it’s still fair.
Not sure how best to handle complications. Probably roll 1d4 and count 1 as Clubs. I’ll worry about that if we need it.