You can get a cash advance from your Amex Gold card at an ATM. To do so, insert the card in the ATM, then enter your PIN and choose the cash advance option. After that, input the amount, and collect the cash and your card.
What you should know about Amex Gold card cash advances:
Cash advances come with high APRs: The Amex Gold card cash advance APR is 28.99% (V), which will start accruing interest immediately, with no grace period.
There is a cash advance fee: The Amex Gold card cash advance fee is 5% (min $10) on every withdrawal. ATM-owner fees might also be included.
Cash advances require a PIN: To use a Amex Gold card for cash advances at an ATM, you will need a PIN. If you don’t already have one, you can make a request over the phone at (800) 227-4669. You should receive a new PIN in the mail in about 3-5 business days.
Keep in mind that cash advances are very expensive. So, it would be best to avoid using your Amex Gold card for cash advances, unless it’s absolutely necessary.
You should also keep in mind that Amex Gold card is not a traditional credit card, so you must pay off the entire cash advance balance by the payment due date. Any unpaid balance may be subject to the Amex Gold card’s penalty APR.
You can get an American Express cash advance at participating ATMs, up to the card's available cash advance limit. To start, call American Express customer service at (800) 227-4669 to request a cash advance PIN. Once you have your PIN, simply insert the card into a participating ATM, type in your PIN, and select “Cash Advance.” Then enter the amount of cash you want to withdraw.… read full answer
There may be other ways to get a cash advance from your American Express card, as well. For instance, you could write out an American Express cash advance check and use it like a regular bank check.
It’s important to take fees and interest into account before you get an Amex cash advance. The American Express cash advance fee will likely be 5% (min $10) of the transaction, whichever is greater. In addition to that, interest on the cash advance will begin accruing immediately, and it’s usually at least a 25% APR. There may also be ATM-owner fees, depending on where you withdraw money from. So, it's best to avoid cash advances.
Try looking into alternatives, such as borrowing money from friends and family or a personal loan. If you have good credit, getting a personal loan may be cheaper than taking out a cash advance.
The American Express cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is a fee charged when using an American Express credit card for cash withdrawals at an ATM.
Bear in mind that when you do a cash advance, you will incur other costs in addition to the American Express cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.… read full answer
New cardholders will get an Amex Gold card PIN when they receive their card in the mail. To get a replacement PIN for Amex Gold card, call the number on the back of the card and ask customer service for a new one. You can also request a new PIN by logging into your American Express account online.… read full answer
Best Way to Get an Amex Gold card PIN
Call American Express customer service at 1-800-227-4669, or call the number on the back of your Amex Gold card.
Inform the representative that you want a new card PIN.
Ask American Express customer service to send you the new PIN either in the mail, over text, or by email. It’s unlikely that they’ll be able to tell you the new PIN over the phone.
Unless you’re traveling abroad, your PIN will mostly be used for cash advances. It’s important to note that cash advances have high fees and interest rates, so you’ll generally want to avoid them whenever possible.
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