Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
To get a cash advance from a credit card, go to an ATM and 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 credit card cash advance in person at a local bank branch, or by using a cash advance check.
How to Get a Cash Advance from a Credit Card
At an ATM
To get a cash advance from a credit card at an ATM, insert your card and type your 4-digit security PIN, then select the cash advance option from the menu. If you don’t already have a PIN, contact your credit card issuer to set one up.
You should be able to use any ATM with the logo of your card’s network (Visa, Mastercard, American Express, or Discover). Bear in mind that you may have to pay an ATM fee for each cash transaction. Your credit card issuer will also likely charge a cash advance fee, as well as a separate cash advance APR that might be higher than your card’s regular interest rate.
At a Branch
To get a cash advance from a branch, visit your local bank or credit union and ask the teller for a cash advance. It doesn’t necessarily have to be a branch of your specific credit card issuer, as long as they work with credit cards on the same payment network as yours. You will need to have your credit card with you as well as a government-issued photo ID to verify your identity.
With a Convenience Check
To get a cash advance with a convenience check, first get some blank checks from your credit card issuer. Credit card companies will sometimes mail convenience checks to their customers unprompted, but you can also call your credit card company to request some checks. You can write the check out to yourself or someone else. Once the check is cashed, the transaction will count as a cash advance. However, not all issuers offer convenience checks, so this option might not be available to everyone.
Watch Out for Cash Advance Fees and Interest
Before you decide to take out a cash advance, you should know that cash advances typically come with a higher interest rate than the card’s regular APR. The average cash advance APR is 20.7%. And since there’s no grace period on cash advances, interest will start accruing immediately. On top of that, most credit cards charge a cash advance fee, with the average fee equal to 3.75% of the amount advanced.
You can learn more about how cash advances work on WalletHub.

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