What 0% cash advance APR credit cards can I get? This question is about 0% APR Credit Cards

There are a few 0% APR cash advance credit cards that you can get, but they’re offered by certain credit unions. For instance, the Justice Federal Credit Union cards have a 0% APR intro rate for up to 18-month on cash advances. But they come with a cash advance fee of either 2% or $10, whichever is greater ($50 maximum). The regular APR is 11.9% to 16.9%, depending on the card and your creditworthiness. The drawback, as is the case with most credit unions, is that you’ll have to meet specific membership requirements to be eligible. For instance, Justice FCU limits membership to those who are connected to the justice or law enforcement community. So, unless you belong to one of these categories, you won’t be able to get a 0% APR cash advance credit card. What you should know about credit card cash advances: Cash advance charges: They usually come with both a cash advance fee and high APR that starts accruing interest immediately, with no grace period. Cash advance limit: There is a maximum percentage that you can use for cash advances from your entire credit limit. It varies based on the issuer, but it typically is 20% of your credit line. How to get a cash advance: You can get a cash advance at an ATM or at a local bank. A PIN is normally required for taking out a cash advance at an ATM. Plus, a government-issued ID is required for getting a cash advance at a local bank. However, it would be best to avoid taking out a cash advance, unless you have absolutely no choice. If you must take out a cash advance, your best bet is to find a credit card that comes with no cash advance fees and a lower APR. A good option is the PenFed Platinum Rewards Visa Signature® Card. It has a 0% cash advance fee and an APR of 17.99%.

Ad Disclosure Ad Disclosure

What 0% cash advance APR credit cards can I get?

Answer Question Report Abuse

This question is about 0% APR Credit Cards

see this user

Alex Johnson, WalletHub Credit Card Consultant

@alex.johnson2 • 03/23/23 This answer was first published on 10/05/18 and it was last updated on 03/23/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

There are a few 0% APR cash advance credit cards that you can get, but they’re offered by certain credit unions. For instance, the Justice Federal Credit Union cards have a 0% APR intro rate for up to 18-month on cash advances. But they come with a cash advance fee of either 2% or $10, whichever is greater ($50 maximum). The regular APR is 11.9% to 16.9%, depending on the card and your creditworthiness.

The drawback, as is the case with most credit unions, is that you’ll have to meet specific membership requirements to be eligible. For instance, Justice FCU limits membership to those who are connected to the justice or law enforcement community. So, unless you belong to one of these categories, you won’t be able to get a 0% APR cash advance credit card.

What you should know about credit card cash advances:

Cash advance charges: They usually come with both a cash advance fee and high APR that starts accruing interest immediately, with no grace period.
Cash advance limit: There is a maximum percentage that you can use for cash advances from your entire credit limit. It varies based on the issuer, but it typically is 20% of your credit line.
How to get a cash advance: You can get a cash advance at an ATM or at a local bank. A PIN is normally required for taking out a cash advance at an ATM. Plus, a government-issued ID is required for getting a cash advance at a local bank.

However, it would be best to avoid taking out a cash advance, unless you have absolutely no choice. If you must take out a cash advance, your best bet is to find a credit card that comes with no cash advance fees and a lower APR. A good option is the PenFed Platinum Rewards Visa Signature® Card. It has a 0% cash advance fee and an APR of 17.99%.

Answer Question

What is a credit card cash advance?

A credit card cash advance is a way to access a portion of your credit line via cash withdrawal or, in some cases, a paper check provided by the issuer. The most common way to do a credit card cash advance is by making an ATM withdrawal. To do that, you will need to request a PIN from your card’s issuer.

How a Cash Advance Works

When you take out a cash advance, you...

read full answer

Anyone know how to get a cash advance on a credit card without a PIN?

There are a few ways to get a cash advance on a credit card without a PIN. The easiest way to withdraw cash from a credit card without a PIN is to visit a bank that does business with your credit card company, ask the teller for a cash advance, and present your card along with a government-issued photo ID. You could also ask your credit card’s issuer for so-called credit access checks, which you can then use...

read full answer

What's the best cash advance credit card?

The best cash advance credit card is the PenFed Pathfinder® Rewards Visa Signature® Card because it has a $0 cash advance fee and a low cash advance APR (17.99%). All PenFed cards have 0% cash advance fees and fairly low cash advance APRs. But this is very uncommon for other issuers. Cash advance fees are typically 3%-5%, and cash advance interest rates are usually over 20%.

Best Cash Advance Credit Cards in 2023

Overall: PenFed Pathfinder® Rewards Visa Signature® CardPenFed Pathfinder® Rewards Visa Signature® CardLearn MoreLearn Moreon issuer's website

Cash Advance Fee: $0

... read full answer

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.