How to get a Chase credit card cash advance

Chase cardholders can easily get cash out of an ATM or a bank branch. This is a useful credit card feature, but an expensive one. Because of that, taking cash advances should be reserved in case you have no other options, or for emergencies.

How to get a Chase cash advance

You’ll first need a Chase credit card. After that, here’s what to do:

1. Call 800-297-4970 and request a PIN if you don’t have one.
2. Go to participating ATMs.
3. Enter the amount you wish to withdraw.

Looking for lower cash advance fees? Compare the top cards for cash advances.

What purchases does Chase consider as a cash advance?

Chase considers the following credit card transactions to be cash advances:

Chase cash advance fees

Chase comes with one of the highest cash advance fees and interest rates. Depending on your card, you will pay:

• A 5% fee of the amount with a $10 minimum.
• A 3% fee of the amount with a $10 minimum, with the Disney credit cards.
• The average cash advance APR is 25.99% but it could vary between cards.

Let’s break down how much a $500 cash advance might cost if you made a withdrawal from a non-Chase ATM.

Chase credit card offers

Instead of getting a cash advance, you may want to consider a credit card with a higher credit limit. The Chase credit cards below may offer high credit limits, depending on your credit profile. But remember, you’ll always want to pay your credit line back in full before the due date to avoid interest charges.

Chase Freedom Unlimited®

★★★★★

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Chase Freedom Flex℠

★★★★★

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Chase Sapphire Preferred® Card

★★★★★

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Chase Sapphire Reserve®

★★★★★

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Cash advance alternatives

Before incurring the high costs of a cash advance, consider other options to alleviate financial pressure. These include:

• Pay advance apps.
  You can get an advance of up to 50% of your earned income through a pay advance app. Consider this option if your paycheck will be arriving soon but you need a bit of cash to support you in the meantime.
• Negotiate with your creditors.
  If your upcoming bills are putting a strain on your finances, consider contacting your creditors. Explain that you’re having trouble with payments and ask if they can offer you any alternative options. They might, for example, set up repayment plans or extend your due dates.
• 0% APR credit card.
  If money’s a little tight right now but you have a good credit score, a low-interest card could be an option. If it has a 0% APR on purchases, you can use it for essential spending and pay off your debt over time. For balance transfers, watch out for fees. Consider a no-fee 0% APR balance transfer card.
• Borrowing from friends and family.
  A friend or family member might be more than willing to help, especially if you need to borrow a relatively small dollar amount.

Bottom line

Chase credit card cash advances are expensive. You can save some money on cash advances with the two Disney cards, which come with a slightly lower cash advance fee.

But the difference is negligible. Because of that, avoid cash advances whenever possible.

Luckily, there are credit cards with lower fees and interest. Compare cash advance credit cards to find the best option for you.

Frequently asked questions

• Can I make an ATM cash withdrawal without a PIN?

  No. Call the number on the back of your card if you don’t have a PIN and request one.

• What if I forgot my Chase credit card PIN?

  Call the number on the back of your card and request a new one.

• What is my Chase credit card cash advance limit?

  You can find your cash credit limit on your credit card statement, online or by calling customer support.