Best Cards with No Cash Advance Fee

If you're looking to avoid cash advance fees, you're in luck because some credit cards offer this perk. Citi Simplicity Card doesn't charge a cash advance fee.

The Discover it Cash Back card is another option, as it doesn't charge a cash advance fee. This is great for cardholders who occasionally need to withdraw cash.

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The PenFed Platinum Rewards Visa Signature Card is a great option for those who want a card without a cash advance fee. It doesn't charge a cash advance fee, but it will charge the card's highest interest rate.

You can also consider credit unions like PSECU and United Federal CU, which allow cash advances without a fee. PSECU allows you to transfer money from your Visa to your checking account or an external checking account online with no fee.

Some cards, like the Walmart card and Discover Card, offer no fee cash-over with any purchase, allowing you to get cash back at some stores. You can also use Capitol One's purchase checks, which can be deposited into your own bank account with no fees whatsoever.

The PenFed Platinum Rewards Visa Card is a great option for those looking for a card without a cash advance fee. It has a $0 annual fee and offers a sign-up bonus.

You can earn 5 points per $1 on gas at the pump and electric vehicle charging stations, which is a great perk for frequent drivers. The card also offers 3 points per $1 spent on supermarket purchases, restaurants and dining, plus TV, radio, cable and streaming services.

One drawback is that points are redeemable for travel, gift cards and merchandise, but not cash back. This might be a limitation for some users.

To qualify for the PenFed Platinum Rewards Visa Card, you'll need to have excellent credit. Additionally, you'll need to join PenFed, which can be done by opening a PenFed savings account with a $5 minimum deposit.

The DCU Visa Platinum Secured Credit Card offers no cash advance fee, which is a great perk for those who want to avoid extra charges.

The ongoing APR is 16.25% Variable, which is the same rate it charges for purchases and cash advances. This means you won't pay more for cash advances than you would for regular purchases.

This card requires a $500 minimum security deposit, which is a higher minimum compared to other secured credit cards. It's a good option for those looking to build their credit, but be aware of the higher deposit requirement.

The DCU Visa Platinum Secured Credit Card charges a $0 annual fee, which is a great value considering the other benefits it offers.

The PenFed Platinum Rewards Visa Signature Card does not charge a cash advance fee, but it will charge the card's highest interest rate. It's a $0-annual-fee card with a sign-up bonus and impressive ongoing rewards.

You can also use Discover at participating merchants or Walmart to get no fee cash-over with any purchase. This is a convenient option for those who want to avoid cash advance fees altogether.

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The DCU Visa Platinum Secured Credit Card offers both no cash advance fee and the same APR on cash advances as it charges for purchases. This is a great option for applicants who are looking to build their credit.

Some credit unions, like PSECU and United Federal CU, allow cash advances done the right way without a fee. However, these are limited membership credit unions, so it may not be an option for everyone.

Capitol One's purchase checks can also be used to deposit cash into your own bank account with no fees whatsoever. This is a great way to avoid cash advance fees and still get the cash you need.

Here are some credit cards without cash advance fees:

The benefits of no cash advance fee are numerous. You can avoid paying an extra fee of 3-5% of the amount borrowed, which can add up quickly.

One of the most significant advantages is that you can save money on interest charges. For example, if you borrow $1,000, you can save $30 to $50 in interest charges by avoiding the cash advance fee.

Not having to pay a cash advance fee also gives you more flexibility in your budget. You can allocate the money you would have spent on fees towards other expenses or savings goals.

Additionally, some credit cards offer rewards or cashback on purchases, but not on cash advances. By avoiding cash advances, you can maximize your rewards earnings.

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