How do you get an American Express Platinum card PIN?

You can get a cash advance with the American Express Platinum card at any ATM that accepts American Express cards. To do so, just insert your card, enter your PIN and choose the cash advance option. After that, enter the amount you want to withdraw and acknowledge the fee disclosure to receive the cash advance.... read full answer

What you should know about American Express Platinum card cash advances:

• Cash advances come with high APRs: The American Express Platinum card cash advance APR is 29.99% (V), which will start accruing interest immediately, with no grace period.
• There is a cash advance fee: The American Express Platinum card cash advance fee is 5% (min $10) of the transaction amount. This does not include any ATM charges.
• Cash advances require a PIN: To use a American Express Platinum 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.

While an American Express Platinum card cash advance is a convenient way to access emergency cash, it’s also a very expensive transaction. So, you should only make an American Express Platinum card cash advance as a last resort.

Yes, credit cards issued by American Express have chip-and-PIN capability.

However, there are some banks and credit unions that offer cards on the American Express network without the chip-and PIN capability. For example, the USAA® Rewards™ American Express® Card is a chip-and-PIN credit card, while the Navy Federal Credit Union More Rewards American Express® Credit Card is a chip-and-signature card. Both types comply with EMV (Euro Mastercard Visa) standards for chip-based cards.... read full answer

Here’s the difference between chip-and-PIN and chip-and-signature capability:

• Chip cards are embedded with a computer chip for added security. The difference is in the cards’ verification method: the cardholder’s signature or a 4-digit PIN.
• Chip-and-PIN cards are more secure than chip-and-signature cards because signatures required for purchases can easily be forged, and often go unchecked. Guessing someone’s PIN isn’t so easy.
• Both types of chip cards still provide better protection than cards that only have magnetic stripes. That’s because chip cards are encrypted in a way that makes it nearly impossible for anyone to access the card’s information, so long as the card is inserted into a reader rather than swiped.

Most chip cards issued in the U.S. are chip-and-signature cards. Chip-and-PIN cards, however, are the standard in many other countries. But you can still use a chip-and-signature card abroad without issues.

For a more comprehensive picture of chip-and-pin American Express cards, you can check out these lists of recommendations for both consumer and business credit cards.

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.