How can I get a Deserve EDU cash advance?

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. 11.75% (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. 16.24% (V) cash advance APR. $85 annual fee, waived the first year. Requires excellent credit.
• Simmons Bank Visa®: 3% (min $4) cash advance fee. 15% - 23% (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 per $1 spent on gas and electric vehicle charging stations, 3 points per $1 at supermarkets and restaurants, 3 points per $1 on cable, satellite and other pay television/radio/streaming services, as well as 1 point per $1 on all other purchases. And it gives a 15,000 points for spending $1,500 in the first 3 months. Only PenFed members can get the card, but anyone can join PenFed, all you need to do is simply fund a savings account with at least $5.

There are very few credit cards that have no cash advance fees and low APRs, the best of which is the PenFed Platinum Rewards card. This card has a 0% cash advance fee and a cash advance APR of 17.99%. The regular APR is 14.49% - 17.99% (V). In addition, the card also offers 1 - 5 points per $1 on purchases.… read full answer

Here are some good credit cards with no cash advance fees and low APRs:

It is worth noting that every time you use your card at an ATM, you'll probably be charged with an ATM fee. Plus, there's no grace period on interest, so it starts accruing immediately. That's why you should avoid cash advances, unless it’s absolutely necessary.

However, there are plenty of credit cards that offer low APRs. The best low interest credit cards you can get are the Chase Freedom Unlimited and the Wells Fargo Reflect, but a credit score of at least 700 is required for approval.

Yes, there are a few 0% APR cash advance credit cards. But they’re only offered by certain credit unions. For instance, the Justice Federal Credit Union cards have a 0% APR intro rate for up to 18-month on cash advances. But they come with a cash advance fee of either 2% or $10, whichever is greater ($50 maximum). The regular APR is 11.9% to 18%, based on your creditworthiness. Randolph-Brooks Federal Credit Union also has a similar offer.… read full answer

The drawback, as is the case with most credit unions, is that you’ll have to meet specific membership requirements to be eligible. For instance, Justice FCU limits membership to those who are connected to the justice or law enforcement community. And Randolph-Brooks FCU is mostly for Texas residents. So, unless you belong to one of these categories, you won’t be able to get a 0% APR cash advance credit card.

Here’s more info about cash advances:

• Cash advances are costly. They usually come with both a cash advance fee and high APR that starts accruing the moment you take out the advance.
• Cash advance limit. There is a maximum percentage that you can use for cash advances against your credit limit. It varies based on the issuer, but it typically is 20% of your credit line.
• How to get a cash advance. You can get a cash advance at an ATM or at a local bank. A PIN is normally required for cash advances.

However, it would be best to avoid taking out a cash advance, unless you have absolutely no choice. If you must take out a cash advance, your best bet is to find a credit card that offers no cash advance fee and a lower APR. A good option is the PenFed Platinum Rewards. It offers a 0% cash advance fee and an APR of 17.99%.