PHILADELPHIA CREAM – When it comes to finding the best cash advance credit card; there are many factors to consider. Fortunately, there are easy ways to find the right card for your needs. You can use a website like GOBankingRates to compare credit card sign-up rates, fees, and bonuses.
Wells Fargo Active Cash(r) Card
The Wells Fargo Active Cash(r) card offers excellent rewards and a solid portfolio of Visa benefits. In addition to cash back, the card provides protection for your cell phone up to $600 per claim. It also has a low deductible of $25. The only downside is that the rewards program isn’t as robust as some other 2% cash rewards cards.
The Wells Fargo Active Cash(r) Card offers an introductory APR of 0% on purchases for the first 15 months. Intro APR is also available for balance transfers. However, you must complete balance transfers within 120 days of receiving the card. Otherwise, you will have to pay a balance transfer fee.
Other benefits include cell phone insurance and two-step verification. You can make up to two claims per year for a maximum of $600 each. You can also use the map’s concierge service for personal assistance. This service is available 24 hours a day, seven days a week. Also, if you lose your credit card, the concierge service will send you a replacement card within 24 hours.
Citi Double Cash
The Citi Double Cash Advance credit card offers many benefits and no annual fee. It also has a 0% introductory APR on balance transfers. This card also offers $0 fraud liability and 24-hour fraud protection. However, there are some things you should keep in mind. If you plan to use this card to make purchases, you need to make sure you can make your payments on time.
The Citi Double Cash Card credit limit is undefined and varies based on your personal credit score. It is usually $500 or less. You will know your limit when you receive your card. You’ll have the option to increase your limit after 12 months, but you’ll need to make a minimum of $25 in purchases and payments to redeem the full amount.
The Citi Double Cash Card is a good choice for consumers with fair or good credit. Its no annual fee structure and flexible balance transfer offer make it an ideal second card. You can also use this card to transfer high-interest balances to it. In addition to its rewards, it is a reliable and stable credit card.
Capital One Venture Rewards Card
You may want to consider the Capital One Venture Rewards credit card if you are looking for a card with high refund rates. It offers cash back on purchases across multiple categories, including dining, shopping, and entertainment. On top of that, you can use your card to earn points on flights and hotel stays.
In addition to rewards points, the Capital One Venture Rewards card offers several other benefits. The card grants users access to the Capital One lounge at select airports, which will include regionally curated take-out food stations, restaurants with bartenders, and dedicated exercise and relaxation areas. The card is a good choice if you travel frequently or want to enjoy your travels in style.
The Capital One Venture card offers 75,000 miles that you can convert to cash or use as a travel voucher. These miles can be transferred to various airline and hotel transfer partners. For example, you can use your Capital One Venture miles to book a room at a Wyndham hotel or rent a car with Vacasa.
Favorite Citi Diamond
Among the best cash advance credit cards, the Citi Diamond Preferred has many positive features, including its long introductory APR period, typically 12 to 15 months. However, its variable APR after the introductory period is high. The credit card offers lower transfer fees and rewards for purchases, but it’s important to remember that you need to have good or excellent credit to get this card.
This card comes with a welcome bonus of $150 after a purchase of $500. Although this bonus is modest, it is in line with other cash back credit cards. Additionally, this card offers a long 0% APR intro period, which is useful for balance transfers.
The 0% APR offer is ideal for transferring existing balances to the card and consolidating high-interest debt. It also offers a generous 18-month balance transfer period. The card is designed for those with interest aversion. Other benefits of this card include Easy Deals and Citi Entertainment programs.