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How to get a Citi card cash advance

Use your credit card to withdraw cash from your credit limit.

Citi makes it easy for cardholders to make cash withdrawals against their credit line. Unfortunately, this is an expensive cash option that comes with fees and interest, and without a grace period. Because of that, avoid Citi credit card cash advances unless it’s absolutely necessary.

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How to get a Citi card cash advance

First, you need a Citi card. Once you have it, here’s what to do:

  1. Log in to your online account and request a new PIN if you don’t have one.
  2. Go to participating ATMs.
  3. Enter the amount you wish to withdraw.

What purchases does Citi consider cash advance?

Unfortunately, cash withdrawals are only one of many transactions that are considered a cash advance. You will get the same treatment with high fees and interest on the following transactions:

  • Foreign currency purchases
  • Gaming chips and similar betting transactions
  • Gift cards and prepaid cards
  • Lottery tickets
  • Money orders
  • Traveler’s checks
  • Wire transfers and similar transactions

Citi cash advance fee

In line with all major banks, Citi card cash advances are equally expensive. For a cash advance transaction, that means you’ll pay:

  • A 5% fee of the amount with a $10 minimum
  • The average cash advance APR is 26.74% but it could vary between cards

A $500 Citi ATM cash withdrawal comes with:

  • $25 cash advance fee
  • $3 ATM fee (depending on the ATM)
  • $11 interest max if paid after 30 days
  • Total cost: $539

Citi cash advance fee breakdown

ATM withdrawal
Cash advance fee$25
ATM fee$3
30-day cash advance APR$3 to $11, depending on creditworthiness and credit card
Total$528 to $539

Cash advances are expensive

It’s tempting to turn to cash advances when you need some extra money, but a cash advance should be a last resort. To avoid the high fees and interest rates of a cash advance, consider alternatives such as 0% APR credit cards or balance transfer cards. These cards can let you put off or avoid interest for a certain period of time, which can help your financial health over the long run.

Bottom line

Citi card cash advances come with high fees and interest, which starts to accrue from the moment you make your transaction. This makes them unfeasible for frequent use. If you really need the cash and are willing to bear the cost, go for it. Otherwise, avoid them if possible.

Fortunately, some credit cards come low fees and interest. If this is what you need, compare cards with $0 cash advance fees and low cash advance APR until you find the right fit for your wallet.

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