Alex Johnson, WalletHub Credit Card Consultant
@alex.johnson2
There are a few 0% APR cash advance credit cards that you can get, such as the TD Clear Visa Platinum Credit Card. More specifically, this card charges no interest on cash advances, regular purchases, and balance transfers. Instead, you need to pay a $20 monthly membership fee.
Another good option is the Atlas Credit Card. This card comes with a cash advance APR of 0%, and a $2 cash advance fee. Just note that it comes with a $8.99* monthly fee.
Other Low Cash Advance APR Offers
There are a few credit cards with a low cash advance APR offered by certain credit unions, as well. For instance, the Justice Federal Credit Union cards have a 2% APR intro rate for up to 12 months on cash advances. Just note that they come with a cash advance fee of either 2% or $10, whichever is greater ($100 maximum). The cards also come with a 2% APR intro rate for up to 12 months on balance transfers, plus a 0% intro APR for 12 months on purchases. The regular APR is 11.9% to 18%, depending on the card and your credit standing.
As with most credit unions, you must meet specific membership requirements to be eligible. For instance, Justice FCU limits membership to those affiliated with the justice system or law enforcement. So, unless you belong to one of these categories, you won’t be able to get a credit card from Justice FCU.
Key Things to Know About Credit Card Cash Advances
- Cash advance charges: Credit card cash advances 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. The limit varies based on the issuer, but it is typically 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. A government-issued ID is required for getting a cash advance at a local bank.
It is worth noting that cash advances are expensive transactions. So, it would be best to avoid them, 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. The card has a 0% cash advance fee and a cash advance APR of 17.99%.
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People also ask
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 by Maria Adams, Credit Cards ModeratorHow can I get a cash advance on a credit card without a PIN?
The easiest way to get a cash advance on a credit card without a PIN is to go to one of your credit card company's branch locations, if it has any. You will need to 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 to withdraw cash from your credit line....
read full answer by WalletHub, Financial CompanyWhat's the best cash advance credit card?
The best cash advance credit card is the Star One Visa Signature Rewards Card because it has a $0 cash advance fee and a low cash advance APR (8.75%). Such low cash advance costs are very uncommon, as other cards typically charge cash advance fees of 3% to 5% with an interest rate well over 20%.
Best Cash Advance Credit Cards in 2026
| Card | Cash Advance Fee | Cash... |
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