Compare credit card cash advances

Find a cash advance credit card that lets you withdraw the cash you need for the lowest rate and fee.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

57 results found, sorted by most popular. How we order our comparisons.
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Barclaycard Platinum Balance Transfer & Purchase Credit Card
Maximum cash withdrawal
£500
Cash withdrawal rate
21.9% p.a. variable
Fee on cash withdrawals
2.99%, min. £2.99
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Maximum cash withdrawal
£350
Cash withdrawal rate
25.95% p.a. variable
Fee on cash withdrawals
3%, min. £3
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Maximum cash withdrawal
£500
Cash withdrawal rate
21.9% p.a. variable
Fee on cash withdrawals
2.99%, min. £2.99
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Barclaycard Forward Credit Card
Maximum cash withdrawal
£500
Cash withdrawal rate
33.9% p.a. variable
Fee on cash withdrawals
2.99%, min. £2.99
Representative APR (variable)
33.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Maximum cash withdrawal
£500
Cash withdrawal rate
21.94% p.a. variable
Fee on cash withdrawals
5%
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (21.9%)
Maximum cash withdrawal
£500
Cash withdrawal rate
27.9% p.a. variable
Fee on cash withdrawals
5%
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Maximum cash withdrawal
£350
Cash withdrawal rate
25.95% p.a. variable
Fee on cash withdrawals
3%, min. £3
Representative APR (variable)
19.9% APR
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Maximum cash withdrawal
£350
Cash withdrawal rate
25.95% p.a. variable
Fee on cash withdrawals
3%, min. £3
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Virgin Money All Round Credit Card (19m) (21.9%)
Maximum cash withdrawal
£500
Cash withdrawal rate
27.9% p.a. variable
Fee on cash withdrawals
5%
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Maximum cash withdrawal
£500
Cash withdrawal rate
21.94% p.a. variable
Fee on cash withdrawals
5%
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
British Airways Credit Card
Maximum cash withdrawal
£400
Cash withdrawal rate
31.5% p.a. variable
Fee on cash withdrawals
3%, min. £3
Representative APR (variable)
24.5% APR
For a limited time only, Collect 10,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership. Offer ends 2 November 2021. Customer must apply and be approved by 2 November 2021.
Balance transfer facility is only available on request and at the discretion of Amex.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.5% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Atlantic Reward Credit Card
Maximum cash withdrawal
£500
Cash withdrawal rate
27.9% p.a. variable
Fee on cash withdrawals
5%
Representative APR (variable)
22.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 11 January, 2021

What is cash advance credit card?

Withdrawing cash using your credit card is called a cash advance. Most credit cards allow you to withdraw money from a credit card up to a certain limit, like you would with a debit card.

Should you take out cash on your credit card?

You could pay less in fees if you avoid using a credit card in a cash machine, but if you cannot avoid it in an emergency, make sure you understand how much it will cost.

Read more about whether you should withdraw cash on your credit card?

How much does a cash advance credit card cost?

You will have to pay:

  • A cash advance fee of around 3% of the amount you withdraw (usually with a minimum charge of £3 or more)

  • Interest on the amount you withdraw from the day you take the cash out, usually at a higher rate than your normal APR, often higher by several percentage points, ranging from 15% to 30%

If you use cash advance when travelling, there could added fees for doing so, such as a dynamic currency conversion (DCC) fee, which is typically higher then your credit providers currency conversion fee.

Here is a closer look at how much they cost and how to keep your costs down.

What else counts as a cash advance?

As well as cash withdrawals, the following may be considered as cash advances by your credit card company:

  • Paying your mortgage or utility bills

  • Buying travel money

  • Buying gift vouchers

  • Gambling transactions

  • Writing cheques from your credit card (only offered by some providers)

Find the best cash withdrawal credit card for you

If you think you will need to withdraw cash on a credit card, choose one that will be as cheap as possible.

The above table includes credit cards available in the UK and shows the cash withdrawal fee and interest rate for each one. You can sort the results to show the cheapest fees or interest rates.

The comparison also shows the maximum amount you can withdraw and the card's APR.

You can also keep your costs down by withdrawing all the money you need in one go and paying off your balance straight away.

How else can you get the cash you need?

If you need a large amount of cash it could be cheaper to use a money transfer credit card. These let you send money from the card to your bank account, which you could then withdraw.

They charge a fee, but some come without interest for several months. This guide explains how much money transfer cards cost.

Does withdrawing cash from a credit card affect your credit score?

Yes, withdrawing cash on your credit will leave a mark on your credit file and can therefore impact your credit score. This because a cash advance acts is a signal to banks and lenders that you don't have enough cash in your bank account to withdraw the money you need.

Cash advance credit card FAQs

No, although some cards come without cash withdrawal fees, they all charge interest on the amount you withdraw.

Debit cards are linked to your bank account, using your balance to pay for things. Credit card spending lets you borrow money and pay it back later.

The interest rate you pay (APR) determines how much you will be charged when you use your credit card to borrow money.

It usually takes around ten days for your card to arrive once you have applied. Here is how long it can take and how to speed up the process.

Yes, you can send cash from your credit card to your bank account. They charge fees but some come with 0% interest for several months.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.


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