Jane Parker, WalletHub Credit Card Advisor
@parker16
You can get a Chase Sapphire Reserve cash advance at any ATM. To do so, just insert your card, then 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.
You can also get a Chase Sapphire Reserve cash advance at a Chase branch. Just make sure to bring a government-issued photo ID with you.
What you should know about Chase Sapphire Reserve cash advances:
- Cash advances come with high APRs: The Chase Sapphire Reserve cash advance APR is 29.99% (V), which will start accruing interest immediately, with no grace period.
- There is a cash advance fee: The fee for a Chase Sapphire Reserve cash advance is: Either $10 or 5% of the amount of each transaction, whichever is greater. ATM-owner fees might also be included.
- Cash advances require a PIN: To use a Chase Sapphire Reserve 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) 297-4970.
- Cash advance limit: Your cash advance limit will be 5% of your overall credit limit, so you need to make sure you have enough available credit to cover the transaction and any fees.
Ultimately, keep in mind that cash advances are really expensive. So, it would be best to avoid using your Chase Sapphire Reserve for cash advances, unless it’s absolutely necessary.

Chase Sapphire Reserve®
Chris Forrell, Member
@chris_forrell
That's gonna run you 26.5% APR and 5% fee, with a $10 minimum. It's not exactly a picnic, but then again no cash advance is.
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