Christie Matherne, Credit Card Writer
@christie_matherne
The SoFi Unlimited 2% Credit Card cash advance limit is up to 30% of their limit, not to exceed $5,000, and you can find more details on your monthly statement or by calling SoFi customer service. You'll also need to contact customer service to get a PIN if you're getting a cash advance at an ATM.
Key Things to Know About SoFi Unlimited 2% Credit Card Cash Advances
- The SoFi Credit Card charges fees and separate interest rates for cash advances. It charges a fee of 5% (min $10) and an interest rate of up to 30.99% (V).
- There’s no grace period on SoFi Credit Card cash advances. The amount of cash you withdraw will start to accumulate interest right away, with no grace period.
- ATM fees and limits are possible. Out-of-network ATMs can get expensive. ATM owners typically charge a fee of around $2 - $5, and banks often charge their customers another $1 - $2 fee for using out-of-network ATMs on top of that. Different ATMs may have their own cash withdrawal limits, as well.
Due to their extremely high cost, cash advances should only be used for emergencies. To learn more, check out WalletHub’s guide to credit card cash advances.
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People also ask
How can I get a SoFi Credit Card cash advance?
To get a SoFi Credit Card cash advance:
- Call SoFi customer service at (844) 945-7634 and request a PIN, if you don’t already have one.
- Insert the credit card at 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.
It’s important to note that a SoFi Credit Card cash...
read full answer by Chip Lupo, Credit Card WriterHow much is the SoFi Credit Card cash advance fee?
The SoFi Unlimited 2% Credit Card cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is charged when using the SoFi Credit Card for cash withdrawals at an ATM.
Bear in mind that when you get a cash advance, you will incur other costs in addition to the SoFi Credit Card cash advance fee. There’s also an expensive cash advance APR that applies immediately after you complete the transaction. The ATM owner may impose additional charges, too.
read full answer by Chip Lupo, Credit Card WriterWhat's the best cash advance credit card?
The best cash advance credit card is the Star One Visa Signature Rewards Card because it has a $0 cash advance fee and a low cash advance APR (8.75%). Such low cash advance costs are very uncommon, as other cards typically charge cash advance fees of 3% to 5% with an interest rate well over 20%.
Best Cash Advance Credit Cards in 2025
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