How can I get a Capital One Spark Classic cash advance? This question is about the Capital One Spark Classic for Business

How can I get a Capital One Spark Classic cash advance?

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This question is about the Capital One Spark Classic for Business

Ashley Wade, WalletHub Analyst

@shlee • 08/09/21 This answer was first published on 07/26/19 and it was last updated on 08/09/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To get a cash advance with your Capital One Spark Classic card, visit any ATM. The cash advance limit is only a segment of your entire credit limit, so make sure you stand within those limits.

However, cash advances are extremely expensive. More specifically, Capital One Spark Classic comes with a 3% (min $3) cash advance fee and a 29.74% (V) cash advance APR that kicks in immediately, with no grace period. So, make sure you exhaust the alternatives before visiting that ATM.

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How much is the Capital One cash advance limit?

Capital One does not disclose the exact percentage allocated to cash advance limits on their website. But the cash advance limit is usually a portion of your card’s credit line, which is based on the specifics of each applicant’s creditworthiness.

You can find your exact cash advance limit online or on your latest monthly statement, under "Available Credit for Cash Advances". It’s also good to keep in mind that ATMs can have their own withdrawal limits, so you may not be able to take out your full cash advance limit at every ATM.… read full answer

What you should know before taking out a Capital One cash advance:

Keep in mind that Capital One cash advances are extremely expensive transactions. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending on where you make the cash advance.

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How can I get a Capital One cash advance?

To get a Capital One cash advance, use a Capital One credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card’s available cash advance limit. If you do not have a PIN, contact Capital One customer service at the number on the back of your card to request one.… read full answer

How to Get a Capital One Cash Advance at an ATM

Call Capital One customer service at the number on the back of your card and request a PIN, if you don’t already have one.

Insert the credit card into an ATM and enter the PIN.

Select the cash advance option on the ATM screen.

Enter the amount you’d like to withdraw.

Withdraw the cash and remove the credit card from the ATM.

There may be other ways to get a cash advance from your Capital One credit card, too. For example, you can request a cash advance in person at a local Capital One branch. You could also write out a Capital One cash advance check and use it like a traditional bank check.

Before you take out a Capital One cash advance, it’s important to note that it is a very expensive transaction. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending on where you make the cash advance.

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