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Best Cash-Advance Credit Cards With Low Fees and Low Rates

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When you need cash fast, opt for a credit card cash advance and get your money immediately. Because cash advance transactions collect interest from the get-go, it’s key to find cards that don’t charge an extra fee — or ones that charge the lowest rates — on top of the interest to avoid paying more than you must.

Instead of wasting your money, find credit card applications for low-interest credit cards that don’t nickel and dime you on fees. Use this list of the top 10 cash-advance cards to find out which cards provide the best deals for borrowing money when you’re in a pinch.

Best Cash Advance Credit Cards With Low Fees and Low Rates
 Credit Card Cash Advance Fees Balance Transfer Fee Intro APR APR How to Apply
Visa Platinum Card by CapEd Federal Credit Union $0 $0 4.90% for 12 months 8.59% or 13.59% Learn More
Visa Platinum Card by Mid Illini Credit Union $0 $0 N/A 8.99% or 9.99% Learn More
Platinum Rewards MasterCard by First Tech Federal Credit Union $0 $0 0% for 12 months on balance transfers 10.99%-18.00% Learn More
Choice Rewards World MasterCard by First Tech Federal Credit Union $0 $0 0% for 12 months on balance transfers 10.99%-18.00% Learn More
PenFed Promise Visa $0 $0 4.99% for 12 months on balance transfers 9.49%-17.99% Learn More
Visa Platinum Card by Digital Credit Union $0 $0 N/A 9.50%-18.00% Learn More
Visa Gold by American 1 Credit Union $0 $0 N/A 9.49%-18.00% Learn More
Visa Platinum Cash Back Rewards by Stanford Federal Credit Union $0 $0 N/A 9.99%-17.99% Learn More
State Department FCU Secured Visa Platinum $3 cash advance $0 N/A 0%-0799% Learn More
PenFed Premium Travel Rewards Amex $0 3% 0% for 12 months on balance transfers 9.74%-17.99% Learn More

10 Best Cash-Advance Credit Cards

The best cash-advance credit cards generally feature common rates and fees; helpfully, none of these cards charges an annual fee. To better decide which of these cards could be best for your financial needs, learn more of the details. Here’s what you need to know about the 10 best cash-advance credit cards.

Visa Platinum Card by CapEd Federal Credit Union

Sign up for CapEd Federal Credit Union’s Visa Platinum card and pay no annual, balance transfer or cash advance fees. Take advantage of the introductory 4.90% APR offer for 12 months, which goes to 8.59% APR 13.59% APR when that period ends. You can even earn ScoreCard awards with this card to the tune of one point for each $1 you spend.

Pros

Cons

Find Out: 10 Things You Should Never Put on a Credit Card

Visa Platinum Card by Mid Illini Credit Union

No annual fees and no fees for cash advances or balance transfers with this Visa from Mid Illini. Despite its lack of a special intro APR, this card is among the best low-interest rate credit cards — either 8.99% APR or 9.99% APR, depending on your credit. You’ll also rack up rewards with this Visa.

Pros

Cons

Platinum Rewards MasterCard by First Tech Federal Credit Union

No fees across the board — for cash advances, annual card use or balance transfers for 12 months — plus the ability to earn reward points make First Tech Federal Credit Union’s Platinum Rewards MasterCard a winner. You’ll also get one reward point for every $1 in purchases. Sign up now and earn 10,000 Rewards Points when you spend $2,000 in the first two months.

Pros

Cons

Choice Rewards World MasterCard by First Tech Federal Credit Union

You’ll pay 0% APR on your balance transfers for only 12 months with this card, but you’ll skip annual and cash advance fees. You’ll also get two points for every $1 you spend on things like groceries, gas and electronics and two points to $1 on everything else. Like First Tech’s Platinum Rewards MasterCard, you’ll earn 10,000 points when you spend $2,000 in your first two months

Pros

Cons

PenFed Promise Visa

Pay no annual or cash advance fees at all on the PenFed Promise Visa card and get 4.99% APR on balance transfers for 12 months. Spend $1,500 in the first 90 days of having the card and you’ll get a $100 statement credit. The card contains an EMV chip for added security.

Pros

Cons

Visa Platinum Card by Digital Credit Union

No fees are charged across the board with this card, and you might score an ongoing rate of 9.50% APR if you have good credit. On the downside, you won’t be earning rewards with this Visa.

Pros

Cons

Visa Gold by American 1 Credit Union

A rewards program and no annual fees for cash advances and balance transfers put the Visa Gold by American 1 in the top 10 list for best cash-advance credit cards. You’ll also get luggage reimbursement and 24-hour fraud monitoring.

Pros

Cons

Check Out: Best Credit Unions Anyone Can Join

Visa Platinum Cash Back Rewards by Stanford Federal Credit Union

You won’t have to worry about annual fees or fees for foreign currency transactions, cash advances or balance transfers with SFCU’s Visa. Plus, you’ll get an auto rental collision damage waiver, travel accident insurance and fraud text alerts with the card.

Pros

Cons

State Department Federal Credit Union Secured Visa Platinum

Use this secured SDFCU Visa to rebuild your credit and enjoy rates as low as 7.99% APR. Skip annual and balance transfer fees and earn Flexpoint Rewards for spending. Every time you spend a $1, you’ll rack up a Flexpoint.

Pros

Cons

PenFed Premium Travel Rewards Amex

You’ll earn five times the points on all your airline purchases and one point for all other purchases. You won’t pay an annual fee for the card but you will pay a 3% APR on balance transfers. Sign up now, however, and get an intro offer for 0% APR on balance transfers for a year.

Pros

Cons

 Up Next: 10 Best High-Limit Credit Cards

Methodology: GOBankingRates identified the cash advance credit cards with low fees and low rates by analyzing annual fees, cash advance fees and balance transfer fees, intro APRs, rewards and sign-up bonuses. All fees and rates are subject to change at the credit card issuers’ discretion. Some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.