When you’re in a tight circumstance, a cash advance on your credit card can be a helpful (if costly) way to get fast cash. This is usually an expensive proposition. Thankfully, there are some credit cards that take the load off by offering no cash advance fee as well as the same APR on advances as on purchases. If you need an advance, it’s a pretty good deal — but remember, this is a method of last resort. Almost all cash advances start accruing interest the day that you take them out, instead of after a grace period like normal purchases. This means that while you have, say, 25 days to pay off a regular purchase without incurring finance charges, you’ll start paying interest on your cash advance that same day. But if you need fast cash, these are three great cards to do it.
Barclaycard® Ring MasterCard®
- No rewards
- Needs excellent credit
A low variable APR on balance transfers and purchases
- APR: 8.25%* Variable
- Cash Advance APR: 8.25%, Variable
- No Balance Transfer Fees - start saving immediately!
- A low variable APR on balance transfers and purchases
- No Annual Fee
- Choose your card benefits and features
- Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
- Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
- Learn more about personal finance from Barclaycard and other members
- Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Although this card requires excellent credit, the Barclaycard® Ring MasterCard® does offer the great benefit of having no change of APR between the cash advance and regular purchases. It’s a crowdsourced credit card – everything from fees to rewards comes before the community. It’s a pretty cool idea, and in practice, it makes for a low-interest, nearly-fee-free credit card
Fort Knox Federal Credit Union Visa Platinum
Apply Now on Fort Knox Federal Credit Union's secure website
- Min APR: 9.25%, Variable
- Max APR: 14.25%, Variable
- 5% on gas purchases
- 1% on retail purchases
- Unlimited cash back
- Automatic cash back - No signing up
- No annual fee
The Fort Knox Federal Credit Union Visa Platinum has no cash advance fee, and it doesn’t charge a higher cash advance APR. The interest rate is pretty low to begin with, so you’re getting a pretty good deal. Anyone can join Fort Knox Credit Union by becoming a member of the American Consumer Council — it’s free.
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