How Chase Cash Advances Work
If you have a Chase credit card, you can use it to withdraw cash from ATMs or bank branches. This is called a cash advance. Chase treats it differently from a regular purchase, with separate fees, interest rates, and limits.
While cash advances can provide quick access to cash in emergencies, they come with significant costs that make them one of the most expensive ways to borrow money. (For the cost mechanics behind every cash advance, our what is a cash advance on a credit card explainer covers the fee, APR, and grace-period rules in plain English.)
Getting a Chase Cash Advance
At an ATM. Use your Chase credit card at any ATM that accepts Visa. You'll need your PIN, which you can set up by calling the number on the back of your card or through the Chase mobile app. Insert your card, select "cash advance" or "credit," and withdraw your desired amount.
At a bank branch. Visit any Chase branch with your credit card and a valid ID. Request a cash advance from the teller. Branch withdrawals may allow higher amounts than ATM limits.
Through convenience checks. Chase occasionally sends convenience checks linked to your credit card account. Writing one of these checks counts as a cash advance with the same fees and rates.
Chase Cash Advance Fees and Rates
Cash advance fee. Chase charges either $10 or 5% of the amount, whichever is greater. So a $500 cash advance costs $25 in fees, while a $100 advance still costs $10.
Cash advance APR. The interest rate on Chase cash advances is typically 29.99% variable, though your specific rate may vary. This is significantly higher than the purchase APR on most Chase cards.
No grace period. Interest starts accruing from the day you take the cash advance. Unlike purchases, where you can avoid interest by paying your full statement balance, cash advance interest is immediate.
ATM fees. In addition to Chase's cash advance fee, the ATM operator may charge their own fee, typically $2 to $5 per transaction.
Chase Cash Advance Limits
Your cash advance limit is a portion of your total credit limit, not the full amount. For example, if your Chase card has a $10,000 credit limit, your cash advance limit might be $2,000 to $3,000.
You can check your cash advance limit by logging into your Chase account online or calling customer service. Daily ATM withdrawal limits may further restrict how much you can get in a single day, typically $500 to $1,000 depending on the ATM.
Which Chase Cards Allow Cash Advances?
Most Chase credit cards allow cash advances, including the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom Unlimited, Chase Freedom Flex, and Chase Ink Business cards.
The terms vary slightly between cards, so check your specific card's terms and conditions for exact fees and rates. To compare Chase's cash-advance terms head-to-head with other big issuers, see our Citibank cash advance guide and Wells Fargo cash advance guide.
How a Chase Cash Advance Affects Your Credit
The cash advance itself won't show up as a separate item on your credit report. However, it increases your credit card balance, which raises your credit utilization ratio. Higher utilization can lower your credit score.
If the added balance makes it difficult to pay your bill on time, the late payment will cause additional damage to your score.
Better Alternatives to Chase Cash Advances
A Chase cash advance is one of the most expensive ways to borrow. Almost any other source of short-term cash beats the combined 5% fee, 29.99% APR, and zero grace period.
Cash advance apps with no interest. Apps like Klover, Brigit, and Current Paycheck Advance let you access $25 to $500 without interest, often with no credit check. Klover advances are interest-free, and Current Paycheck Advance offers up to $200 with no fee for Current account holders.
Personal loan marketplace. If you need more than $500, the MoneyLion marketplace compares personal loan offers from multiple lenders in minutes, with no impact to your credit score from the soft pull. A personal loan at 15% to 25% APR is dramatically cheaper than a 29.99% cash advance with a 5% upfront fee.
Chase overdraft protection. If you have a Chase checking account, setting up overdraft protection linked to a savings account or line of credit is far cheaper than a cash advance.
Balance transfer. If you need to free up cash, a balance transfer to a card with a 0% intro APR can reduce your interest burden and improve your cash flow.
Emergency fund. Building even a small emergency fund of $500 to $1,000 can prevent the need for expensive cash advances. Start by setting up automatic transfers to a savings account.
A Lower-Cost Cash Advance Option
If you need a small amount fast without paying Chase's 5% fee plus 29.99% APR, Klover offers cash advances up to $250 with no credit check, no interest, and no late fees. Pair it with the Current Paycheck Advance for up to another $200 fee-free if you already have a Current account, and you can typically cover a small gap without ever touching the Chase cash advance window.
Klover
Klover
Need cash before payday? Klover gives you instant access to up to $250 with no credit check, no interest, and no late fees. Earn points through surveys, receipt scanning, and daily activities to unlock higher advance amounts.
Standout feature
Up to $250 cash advance with no interest or credit check. Free standard delivery.
Fees
Free (optional instant delivery fee)
Pros
No interest or required fees. Quick access to cash advances. Multiple ways to earn points and unlock higher limits.
Cons
Points system can be grindy with ads and games required.
For readers who want a second fee-free option to stack alongside Klover, Brigit is worth a look. It advances up to $250 with no interest and no credit pull, and the membership unlocks budget tools that flag low-balance days before they bite. That combination keeps the borrowing cost flat instead of compounding the way a Chase cash advance does from day one.
Brigit
Brigit
Need cash sooner than expected? Brigit is your go-to solution for instant cash. Access between $25–$500 on the free plan with no interest, no tips, and no hidden fees.
Standout feature
Trusted by over 10 million people
Fees
$8.99/mo or $15.99/mo
Pros
Get Cash in minutes, No Credit Score Needed
Cons
Monthly fee is needed
Another option to consider is Current Paycheck Advance, which gives Current account holders up to $200 of their next paycheck early with no fee and no interest. It is a clean fit if your shortfall is really a timing issue rather than a debt issue, and it sidesteps the 29.99% APR and 5% fee a Chase cash advance would tack on.
Current Paycheck Advance
Current Paycheck Advance
Need cash before payday? Current’s Paycheck Advance is here to help. Secure, and straightforward – your early paycheck is just a tap away.
Standout feature
Up to $750 advanced from your next paycheck if you qualify — no mandatory fee, no credit check, no late fees
Fees
$0 standard delivery (up to 3 business days). Optional Instant Access fee varies. Exact amount shown in-app at request time.
Pros
Up to $750 advance. One of the highest Paycheck Advance limits available
Cons
Requires a Current account with recurring payroll direct deposit
The Bottom Line
Chase credit card cash advances should be a last resort. The combination of a 5% fee, nearly 30% APR, and no grace period makes them extremely expensive. Explore cheaper alternatives whenever possible, and focus on building an emergency fund for the future.
Frequently Asked Questions
What is the cash advance fee on Chase credit cards?
Chase charges a cash advance fee of either $10 or 5% of the transaction amount, whichever is greater. On a $200 withdrawal, that's $10. On a $1,000 withdrawal, that's $50. This fee is charged in addition to any ATM operator fees and on top of the high cash advance APR.
How do I find my Chase cash advance limit?
Log into your Chase account at chase.com or through the mobile app, then navigate to your card's details page. Your cash advance limit is listed separately from your regular credit limit. You can also call the number on the back of your card to ask a representative. The limit is typically 20%-30% of your total credit line.
Does a Chase cash advance hurt my credit score?
A cash advance increases your credit card balance, which raises your credit utilization ratio, and high utilization can lower your score. The advance itself isn't flagged differently on your credit report, but carrying the balance and the risk of a missed payment both pose risks to your credit health.
