How can I get a Citi Simplicity cash advance?

Citi Simplicity’s cash advance fee will set you back at least $10 or 5% of the amount withdrawn, whichever is higher. That means if you withdraw less than $200, you’ll pay $10. If you withdraw $260, you’d pay $13. And so on. That’s before factoring in the interest too. Your Citi Simplicity cash advance rate will be somewhere between 15.99% and 25.99%, depending on your credit worthiness. And unlike purchases, cash withdrawals start accumulating interest as soon as you get your money.

To figure out exactly how much you’ll pay for any specific cash advance, you need a few pieces of information. I’ll go through them below.

Here’s how much a Citi Simplicity cash advance costs:

1. Simplicity Cash Advance Fee: $10 or 5%
2. Simplicity Cash Advance APR: 15.99% - 25.99%
3. Simplicity Cash Advance Limit: Your cash advance limit will depend on your credit worthiness, but it won’t be more than 50% of your credit line.
4. Simplicity Cash Advance Grace Period: None, interest applies daily

The full price of a Citi Simplicity cash advance is the fee plus the total amount of interest you end up paying. The sooner you repay what you owe, the less it will cost.

All in all, credit card cash advances are extremely expensive and should be avoided unless you're facing an emergency.

It's 5% or ten bucks, depending on how much you withdraw. That's without the interest, because of course there will be interest.