The Ultimate Guide to Credit Cards
Monday, September 20, 2021

Credit Cards You Can Use at an ATM in 2021

Credit Cards You Can Use At An Atm

credit card advice

Eric Bank
By: Eric Bank
Posted: May 25, 2021
Advertiser Disclosure

If you’ve ever needed cash when your bank account was low, you’ll be interested in credit cards you can use at an ATM. These cards let you use an ATM to borrow money without ever touching the balance in your checking account.

The credit cards that have this superpower use one of the big four payment networks (Visa, Mastercard, Discover, and Amex). Store credit cards that use secondary payment networks don’t offer ATM-based cash advances.

You’ll need a PIN to unleash an ATM’s awesome ability to dispense cash from your credit card account. Typically, you set up your PIN online, but you can also do it over the phone.

Good Credit | Students | Bad Credit | Prepaid | FAQs

Cards For Good Credit You Can Use at an ATM

When you have good credit, you’re able to get a credit card with low fees and APRs. That’s what distinguishes these three cards, all of which unlock cash from an ATM with nary a problem.

The smallest credit card cash advance fee is about $10 or 3% of the advance amount, whichever is greater. Many cards charge 5% rather than 3%. APRs for cash advances average around 25%.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

You’ll need a PIN to withdraw from your Discover it® Cash Back credit limit, which you can create online. You can use the card at over 415,000 ATMs, with access to more than 60,000 surcharge-free ATMs. The amount you can withdraw from an ATM using this card is limited to your available cash advance credit limit.

GOOD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

The Capital One Venture Rewards Credit Card charges a low cash advance fee, but you may have to pay an additional ATM fee for machines that aren’t in the 39,000-location Capital One or AllPoint networks. You can get the required PIN online or by calling 1-800-227-4825.

GOOD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

You’ll need a four-digit PIN (available by calling 800-432-3117) for ATM withdrawals with the Chase Freedom Unlimited®. Withdraws are free at any of the 16,000 Chase ATMs nationwide. Chase allows you to take up to 5% of your overall credit limit as a cash advance — that’s equal to $500 on a $10,000 credit limit.

Cards For Students You Can Use at an ATM

Students need cash for myriad reasons, and a credit card that works with ATMs allows cash advances at all hours of the day and night. These student credit cards are available to undergraduates who don’t necessarily have any previous credit history.

Students may need the ability to get a cash advance when their bank account balances are vanishingly small, a phenomenon that millions face each academic year. We like these student credit cards because they offer cash back on purchases and do not charge an annual fee.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.6

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit

You can use the Discover it® Student Cash Back to take cash advances at more than 415,000 ATMs, of which 60,000 are surcharge-free through the AllPoint and MoneyPass ATM networks. You can use the online ATM Locator to find nearby machines so you can plan your surcharge-free withdrawals.

STUDENT RATING

★★★★★
4.6

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

Journey Student Rewards from Capital One charges higher-than-average APRs across the board, including for cash advances, but its cash advance transaction fee is relatively low. Your monthly credit card statement discloses your available credit for cash advances, which is a fraction of your overall credit limit. You’ll need a PIN to take an ATM cash advance — you can get one online instantly or in the mail within seven to 10 days when requested over the phone.

Bank of America® Cash Rewards Credit Card for Students Review

at the issuer'ssecure website

STUDENT RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • 0% Introductory APR on new purchases and balance transfers for 15 billing cycles (balance transfer fee applies), then a variable APR applies
  • Optional overdraft protection option helps prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
13.99% - 23.99% Variable
$0
None/Limited

The Bank of America® Cash Rewards Credit Card for Students can provide cash advances at thousands of BoA ATMs without an extra ATM fee. The APR for ATM cash advances is unusually high, but the transaction fee is about average. You can get the required ATM PIN online or order it over the phone (800-732-9194­) for mail delivery, and you can reset your PIN at any BoA ATM.

Cards For Bad Credit You Can Use at an ATM

Bad credit shouldn’t prevent you from getting an ATM cash advance, and these three cards do the job well. The two bank-issued cards charge higher-than-average APRs, but the credit union card is a bargain, boasting a very low APR and transaction fee.

Generally, the size of cash advances permitted by these cards is low, although a secured credit card may accept larger deposits that boost the maximum cash advance.

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

4.1/5.0
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.45% to 28.45% Variable
$0-$72
See website for Details*

Merrick Bank Double Your Line™ Platinum Visa® Credit Card is an unsecured card available to folks with bad credit. Unfortunately, it charges high fees and APRs, including those for cash advances, as well as low initial credit lines. You can use the card at any ATM that accepts a Visa debit card, (extra fees may apply), but you’ll need a PIN, available by calling 800-204-5936.

BAD CREDIT RATING

★★★★★
4.6

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

The Secured Mastercard® from Capital One charges an above-average APR for cash advances, but its transaction fee is low. There is no extra charge when you take a cash advance at one of the 39,000 Capital One or AllPoint ATMs, but other ATMs may require a surcharge. You can order the ATM PIN for this secured credit card over the phone or online.

Savings Secured Platinum Rewards Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.4

OVERALL RATING

4.1/5.0
  • Earn Flexpoints Rewards - 1 point for every $1 spent
  • Use the card responsibly and you can be automatically graduated to a Platinum Rewards Credit Card
  • Visa card benefits like Roadside Dispatch, a pay-per-use roadside assistance program
  • 25-day grace period on purchases
  • ATM cash advance fee of $3.00 (no cost at teller)
  • Ability to join SDFCU and apply at the same time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
11.99%
$0
N/A

The Savings Secured Platinum Rewards Credit Card issued by the SDFCU Credit Union offers a terrific 11.99% APR that applies to purchases, balance transfers, and cash advances, and the ATM cash advance transaction fee is a low, flat amount. You can access almost 30,000 surcharge-free ATMs on the CO-OP Network using the issued PIN. ATM cash advances are limited to a daily maximum of $810, and there is a limit of four transactions per day.

Prepaid Cards You Can Use at an ATM

Prepaid cards are not credit cards or charge cards, but rather are akin to a prepaid debit card, ATM card, or reusable gift card, and they are funded by your card’s balance. When you use them at an ATM for a cash advance, the money is taken from your card’s account balance, not from a credit, checking, or savings account.

Your credit score doesn’t impact your ability to get a prepaid card, but, likewise, the cards don’t impact your credit score, even when you consistently pay your bill on time. Because there is no credit involved, it is misleading to call a prepaid debit card a prepaid credit card.

In fact, we think the term “prepaid credit card” should be banned from polite company altogether. Also, it is not really a gift card since it is a reloadable prepaid card. An ATM card is also different because it is limited to ATM use. And don’t get us started on “prepaid charge cards.”

Prepaid debit cards generally charge either a monthly fee or a per-use fee for every debit card transaction. A monthly fee structure is probably more popular across the industry.

These cards charge a flat fee for each ATM cash withdrawal. If you’d like to get cash from these cards without the fee, ask for cash back when you use them to make a point-of-sale purchase at a grocery store and other retailers.

PayPal Prepaid Mastercard® Review

at Netspend'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

3.6/5.0
  • Move money from your PayPal account to fund your prepaid card account.
  • Earn cash back and personalized offers, just for using your card.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

The PayPal Prepaid Mastercard® charges $2.50 for an ATM withdrawal in the United States, 4% for international ATMs. However, surcharges almost certainly apply, except for withdrawals made on the MoneyPass ATM Network. A PIN is required for ATM machine usage — you must set your PIN when you register/activate your card online.

NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

3.5/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card" for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

It will cost you $2.95 to make a domestic ATM withdrawal using the NetSpend® Visa® Prepaid Card, while foreign ATMs will trigger a 4% transaction charge plus surcharges. You can obtain cash with your card and PIN from any ATM bearing the Visa, Plus, or PULSE acceptance mark. ATM owners may set surcharges and daily withdrawal limits for this prepaid Visa debit card.

Brinks Prepaid Mastercard Review

at Netspend'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

3.7/5.0
  • Brink’s gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink’s Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink’s Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.)
  • *Card issued by Republic Bank & Trust Company, Member FDIC. Card may be used everywhere Mastercard Debit cards are accepted. “Apply Now” for full details.
  • See additional Brink’s Prepaid Mastercard® Details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fees
Not applicable

The Brinks Prepaid Mastercard charges a $2.50 domestic ATM withdrawal fee, and the surcharge for a foreign ATM withdrawal is 4% plus any local charges. Armed with your PIN, you can withdraw cash from any ATM bearing the Mastercard, Cirrus, or PULSE logos. Be prepared to pay any surcharge collected by the ATM owner.

How Do I Use a Credit Card at an ATM?

It’s child’s play, really. You insert the card, type in your PIN, select the amount you want to withdraw, and collect your money and receipt. You will get an error if you use the wrong PIN or if you have insufficient credit (or funds deposited in a prepaid card account) for the amount you want to withdraw.

To minimize the fees for an ATM-based credit card cash advance, use an in-network ATM owned by or subscribed to by the credit card company. Most issuers provide some form of ATM finder service, usually online, that shows you where the nearest in-network ATMs are located. These machines can be used without an additional fee beyond what the card charges for a cash advance.

Here is a quick summary chart showing the overall procedure for making a cash advance from a credit card:

How to Make a Cash Advance with a Credit Card

You will need a PIN before using the ATM. You can get one online or via mail when initiated by a phone request. Some machines allow you to reset your PIN directly.

Remember to repay your cash advance as soon as possible because credit cards charge high APRs for this type of transaction, and the charges kick in right away — there is no grace period for cash advances.

Is There a Limit to How Much I Can Withdraw?

Limits occur in two ways:

  1. You cannot withdraw more than your card’s cash advance limit, minus any existing balance on the card. If you are using a prepaid card, the limit is the current card balance.
  2. The card issuer and/or ATM owner may impose limits on the daily number of transactions or withdrawal amounts.

Your credit card statement will disclose your cash advance limit, which is usually some percentage of your overall credit limit. The limit kicks in when you attempt to exceed it, either in a single withdrawal or over the course of several.

How Can I Get Cash Off My Credit Card Without a PIN?

You have a few options to get cash from your credit card without a PIN:

  • Human tellers: You can walk into a bank branch or other financial institution that can access your account and ask the teller for a cash advance. You will have to fill out a request form and show an acceptable form of identification.
  • Checks: You can order checks from your card issuer that work just like those from your checking account, except the money comes from your credit line rather than your checking account balance.
  • Cash back (prepaid cards only): You can ask the cashier at any point of sale (POS) location, such as the grocery store checkout line, for cash back when you pay for a purchase with a prepaid or debit card. The procedure is for you to pay for the purchase plus the amount of the cash back, and the cashier hands you the cash along with your receipt. There is usually no fee for cash back — it’s a customer courtesy.

Unfortunately, credit cards can’t be used for cash back transactions at POS locations.

Can I Transfer Money From My Credit Card to My Bank Account?

Yes, you can usually transfer money in either direction between a credit card and your bank account. Many ATMs support a direct deposit of cash, and you can also perform a transfer online if the two accounts are linked.

There are apps like Venmo that allow you to transfer money, and you can even use a money transfer service like MoneyGram or Western Union. You also can write a check from your credit card issuer and deposit it into your bank account.

In some cases, you can call the bank or credit union issuer of the card and ask a customer service rep to perform the transfer for you.

Is it Bad to Withdraw Money From a Credit Card?

Credit card cash advances aren’t the cheapest way to borrow money, but they can be among the fastest. The APR on a typical credit card cash advance is about 25%, and there is a fee for each transaction, usually of around 5% or $10, whichever is greater.

There is no grace period on a cash advance. Interest begins accruing right away, so you’ll want to repay the advance as soon as you can.

Capital One Venture Cash Advance Terms as of May 2021

The APR for cash advances is generally higher than it is for purchases, and there is no interest-free grace period.

On the plus side, you can get a cash advance up to your card’s limit without prior authorization. That means you can get your hands on cash in the time it takes to walk over to an ATM, and there are no papers to fill out or loan officers to negotiate with.

If you need a loan for 30 days or longer, you may want to pursue a different arrangement, such as a personal loan.

Research Credit Cards You Can Use at an ATM

Our review of the best credit cards you can use at an ATM reveals the many choices available to you. Always understand ahead of time 1) what the fees will be for getting a cash advance and 2) what extra fees the ATM network will charge.

Our summary boxes are a good start, but you can visit the credit card company’s website by clicking on the APPLY HERE buttons. Look at each card’s Schumer box and the other fine print to find out what’s lurking in the shadows. And speaking of shadows, choose an ATM in a safe, well-lit location — you want the cash to go into your pocket, not someone else’s.

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