How do I get a Capital One cash advance?

You can order a Capital One credit card PIN online or by calling Capital One’s automated system at (800) 227-4825. You may have the option to get the PIN immediately by email or text. If not, it will come in 7-10 business days by mail. You don’t need a Capital One credit card PIN to make purchases. But you will need one to do a cash advance at an ATM. And it may come in handy in foreign countries that use chip-and-PIN card readers.… read full answer

Ordering a Capital One credit card PIN for emergency cash advances isn’t a bad idea, but you should be careful not to use your card at an ATM too often. Cash advances come with hefty fees, and interest starts accruing immediately.

Here’s how to get a Capital One credit card PIN:

• Online. Log into your Capital One account and click on “More Account Settings,” then “Control Your Card,” and finally “Get a Cash Advance.” You may have the option to get a PIN instantly by email or text. Otherwise, you’ll have to request one by mail, and it will take 7-10 business days to arrive.
• By phone. Call (800) 227-4825, enter your card number and follow the prompts to request a PIN. You’ll get it by mail in 7-10 business days. If you already have a PIN and want to change it, you can choose a new number right away.

While you cannot get a Capital One credit card PIN through the Capital One mobile app, you can change your debit card PIN through the app at any time. Just go to “Debit Card Help” and select “Change PIN.” To change a debit card PIN online, log in to your account and go to “Account Services & Settings,” then “Change PIN.”

The best cash advance credit card is the PenFed Platinum 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%.… read full answer

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.

Best Cash Advance Credit Cards

• PenFed Platinum Rewards Visa Signature® Card: 0% cash advance fee. 17.99% cash advance APR. $0 annual fee. Requires excellent credit.
• PenFed Power Cash Rewards Visa Signature® Card: 0% cash advance fee. 17.99% cash advance APR. $0 annual fee. Requires excellent credit.
• DCU Visa® Platinum Rewards Credit Card: 0% cash advance fee. 11.25% - 18% (V) cash advance APR. $0 annual fee. Requires excellent credit.
• DCU Visa® Platinum Secured Credit Card: 0% cash advance fee. 11.50% (V) cash advance APR. $500 minimum security deposit. $0 annual fee. Bad credit accepted.
• PNC Premier Traveler® Visa Signature Credit Card: $5 cash advance fee. 15.99% (V) cash advance APR. $85 annual fee, waived the first year. Requires excellent credit.
• Simmons Bank Visa®: 3% (min $4) cash advance fee. 12.25% (V) cash advance APR. $0 annual fee. Requires excellent credit.

Some of the best cash advance credit cards also offer some excellent rewards. For example, the PNC Premier Traveler card offers 30,000 miles for spending $3,000 in the first 3 months. And it gives 2 miles / $1 on all purchases.

The PenFed Platinum Rewards Visa offers 5 points / $1 spent on gas, 3 points/$1 at supermarkets and 1 point / $1 everywhere else. And it gives a $100 statement credit for spending $1,500 in the first 90 days. Only PenFed members can get the card, but anyone can join PenFed with a $17 one-time donation to the National Military Family Association or Voices for America’s Troops. U.S. military or government employees and their families join for free.

It takes about 14 calendar days for a new Capital One credit card to arrive. And it takes 4-6 business days to get a replacement card, unless you pay $16 for delivery in 2-3 business days. There are no options to get new cards faster. But it won’t always take 14 days for a new card to reach you, depending on how far it has to travel. That’s just the timeframe Capital One quotes people. … read full answer

As far as the approval timeline goes, you could be instantly approved for a Capital One credit card if you apply online. On the other hand, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days. That means you should get your Capital One credit card 14-24 [business] days after submitting an application, assuming you’re approved.

Here’s how long it takes for a Capital One credit card to arrive:

• New cards take up to 14 calendar days to arrive, following account approval. You can’t pay to speed this up.
• Replacement cards take 4-6 business days to arrive. You can cut that timeframe in half by paying $16.
• It can take 7-10 business days to get approved for a Capital One credit card, if you’re not approved instantly when you apply.
• You can expect to have your Capital One credit card in hand anywhere from 2 weeks to a month after you apply.
• You can use your Capital One credit card before it arrives if you download the Capital One app. The app shows you all your card details.

If you’re in the market for a Capital One credit card, there are a ton of good options. The Capital One Venture Rewards Credit Card is ideal for travel, while the Capital One Quicksilver Cash Rewards Credit Card is great for cash back. If you have limited history, you can consider the Capital One QuicksilverOne Cash Rewards Credit Card and if you have bad credit, you might want to check out the Secured Mastercard® from Capital One.