Call Surge Credit Card customer service at 1-866-449-4514 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.
Before you take out a Surge Credit Card cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a cash advance fee of 5% (min $5). There’s also a separate cash advance APR that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
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.
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.
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%.
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