Discover credit card owners can get cash from their revolving line of credit from an ATM, a bank teller or a cash deposit to your checking account. However, this is an expensive option with high fees and interest that accrues from the day you make your transaction. Because of that, try to keep this option for emergencies only.
How to get a Discover card cash advance
To get a Discover card cash advance, first you need a Discover credit card. Then you have four cash advance options:
Cash withdrawal from an ATM
Cash withdrawal from a bank teller
Cash deposit to your checking account
Cash access checks (check your eligibility by logging in to your online account)
How to get a Discover card cash advance from an ATM
If your preferred cash advance option is an ATM cash withdrawal, here’s what to do:
Log in to your online Discover card account.
If you don’t already have one, create a PIN by clicking create or change your PIN.
Visit one of the participating 400,000 ATMs and insert your card.
Choose your cash withdrawal amount.
How to get a Discover card cash advance from a bank
As an alternative, you can make a cash withdrawal at a participating bank or a credit union. Keep in mind, participating banks may change, so make sure you call your local branch and ask if you can make a cash advance with your Discover card.
Here’s how to get an over-the-counter cash advance:
Visit a participating financial institution.
Provide your Discover card and a photo ID.
Request a cash advance.
As of this writing, these banks and institutions allow you to make a cash advance with your Discover card:
Bank of the West
Capital One Bank
Fifth Third Bank
First National Bank
How to get a Discover card cash access checks
First, log in to your online account and check if you’re eligible. If you are:
Call 800-DISCOVER (800-347-2683).
Or visit Discover.com/checks.
Request a cash access check.
What purchases does Discover consider to be cash advances?
Discover considers the following credit card transactions to be cash advances:
Cash access check
Cash deposit to your checking account
Cash withdrawal from an ATM or a bank teller
Discover cash advance fee
Discover comes with one of the highest cash advance fees. Because of that, it’s recommended that cash advances should be used as a last resort. The cost of Discover cash advance is:
A 5% fee of the amount with a $10 minimum.
The average cash advance APR is 26.99% but it could vary between cards.
This means a $500 cash withdrawal from an ATM would cost $25 in fees right off the bat. If the ATM has additional fees, that could be another $3 on top. With the current interest rates, your $528 cash advance plus fees would cost around $11 in interest if you pay it off after 30 days. Here’s a quick breakdown:
Cash advance fee
30-day cash advance APR
$3 to $11, depending on creditworthiness and credit card
$528 to $539
Cash advances are a last resort
Given the large number of fees and unforgiving interest rates on cash advances, you should view them strictly as a last resort for cash. You can use our cash advance calculator to determine just how much a cash advance could cost you.
Cash advance alternatives
If you think you’re heading into a situation where you’ll need financial help, look at other financial options before you turn to cash advances. Some strong alternatives include 0% APR credit cards and balance transfer credit cards. These cards can help you stay afloat financially and keep interest at bay during the introductory period.
Read more about cash advances from different banks
Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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