What'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

Pros and Cons of Credit Card Cash Advances

Pros:

Immediate access to funds. A cash advance can get you money quickly in an emergency.

Convenience. You can withdraw cash at an ATM or from a bank, just like using a debit card.

No credit check. Since you’re borrowing against a line of credit that’s already established, there’s no application or hard pull on your credit report.

Cheaper than predatory lending. Cash advances are expensive, but they’re generally cheaper than payday loans and car title loans, which come with even higher fees and interest rates.

Cons:

High interest rates. Cash advances almost always have higher interest rates than a credit card’s regular APR, and the interest accumulates immediately.

Cash advance fees. You’ll likely be charged an upfront fee, usually a percentage of the amount you withdraw. The fee, which averages 4.03% according to WalletHub data, is tacked onto the amount withdrawn and will also accrue interest.

ATM fees. You may be assessed an additional fee if you initiate a cash advance through an out-of-network ATM.

Potential credit score damage. Withdrawing a large amount of cash will drive up your credit utilization ratio, which could negatively affect your credit score.

Risk of increased debt. Easy access to funds can make it tempting to rely on cash advances, which could plunge you into a cycle of mounting debt.

Cash Advance Alternatives

Take out a personal loan. Personal loans are offered by banks, credit unions, and online lenders and typically come with significantly lower interest rates than a credit card’s cash advance APR, particularly if you have good or excellent credit. Once the funds are deposited into your bank account, you can access the cash you need with a debit card and use it for whatever you want.

Borrow from family or friends. This could be the most flexible and lowest-cost option, though you could risk damaging the relationship if you don’t live up to your end of the deal. It might be a good idea to have a written agreement outlining the loan amount, repayment schedule, and any other details.

Tap into your emergency fund. If you have money set aside for emergencies, this would be the most practical way to cover any unexpected expenses. Just make sure you promptly replenish the emergency fund as soon as you are able.

Unfortunately, no credit card offers free cash advances. All credit cards charge interest on cash advances, at least. And that interest always starts accruing the moment you take out the advance. But if you get a card with no fee and pay off the balance right after doing a cash advance, you shouldn’t have to deal with much in the way of extra costs.

Just get a debit card for cash, and use a credit card for other purchases. That’s the most sustainable approach.

If you normally pay the bills on time, etc., you could try calling up customer service and asking them to waive at least the cash advance fee, if not the extra interest. They might do it. That way, you don’t need to get a new card for something you’ll hopefully need just once in a blue moon.

Just use a debit card instead. And try to use an in-network ATM. Credit card cash advances are a waste of money!

Try the Atlas card. Low cash advance fee and no cash apr. Watch out for the monthly fee though!

It’s interesting that military credit unions seem to have the best cash advance deals, but I guess military members have earned it. Just remember that no matter how good a card is for cash advances, it’s still not going to be a cheap way to get cash.

There’s no such thing as a "good" cash advance credit card. But if you absolutely must, the PenFed Platinum Rewards Visa has slightly less terrible terms than most.

There aren't any good credit cards for cash advances and you should avoid cash advances with credit cards at all costs. They're really expensive. Interest starts building up immediately at high rates.

PenFed cards are the best as far as cash advances go. That being said, you shouldn't really make a habit out of it, you might find yourself in a world of hurt from fees and interest rates.

Big bank credit cards that offer cash advances have fairly similar fees and interest rates. That being said, the Capital One Venture Rewards credit card is pretty good.