You can get a US Bank cash advance at any ATM. You will need a PIN for your credit card, which you can request to have mailed to you by visiting your local branch or contacting customer service at (800) 285-8585.
But as with any credit card, cash advances are extremely expensive. You get charged a flat fee when withdrawing plus hefty interest that starts piling up from the very moment you take the money out of the ATM. It is best to avoid cash advances.
The U.S. Bank cash advance fee is currently 5% (min $10) of the advance amount for all of its credit cards. However, since cash advance fees and associated interest charges may vary over time, it's best to contact U.S. Bank at the number of the back of your card to get the most current rates. Just say "representative" or press "0" to speak with an agent.… read full answer
Besides the cash advance fee, you'll be charged with a high cash advance APR with no grace period. You might also be charged with a fee when using another issuer's ATM. So, try to avoid doing a cash advance. It's advisable to only do one in the case of an emergency, or if there are no other payment options available.
U.S. Bank credit card cash advance limits are not disclosed, as they vary widely based on each applicant’s creditworthiness. Factors such as your income, debts, housing expenses, and your overall ability to make payments will be considered when determining your cash advance limit.
Select “account details.” You’ll find your cash advance limit in the right column.
Alternatively, you can call the number on the back of your card and enquire about your limit for cash advances. Just keep in mind that a high amount shouldn't encourage you to perform cash advances, as they are really expensive. Each cash advance is subject to a fee of 5% (min $10). And cash advances accrue interest at a separate APR that has no grace period and applies immediately after completing your transaction.
It is also important to note that some ATMs charge their own usage fees, which can increase the cost of your transaction even further. So it’s best to reserve cash advances for emergencies only.
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