PHILADELPHIA - When it comes to finding the best cash advance credit card; there are a lot of factors to consider. Luckily, there are some easy ways to find the right card for your needs. You can use a website like GOBankingRates to compare credit card rates, fees, and sign-up bonuses.
Wells Fargo Active Cash(r) Card
The Wells Fargo Active Cash(r) card offers a great rewards rate and a solid Visa portfolio of benefits. In addition to the cashback, the card provides protection for your cellphone for up to $600 per claim. It also has a low $25 deductible. The only drawback is that the rewards program isn't as robust as some other 2 percent cash reward cards.
The Wells Fargo Active Cash(r) card offers a 0% introductory APR on purchases for the first 15 months. The intro APR is also available for balance transfers. However, you must make the balance transfers within 120 days of receiving the card. Otherwise, you'll have to pay a balance transfer fee.
Other benefits include cellphone insurance and two-step verification. You can make up to two claims annually for up to $600 each. You can also use the card's concierge service to get personal assistance. This service is available 24 hours a day, seven days a week. Moreover, if you lose your credit card, the concierge service will send you a replacement within 24 hours.
Citi Double Cash
The Citi Double Cash Advance Credit Card offers numerous benefits and no annual fee. It also features a 0% introductory APR on balance transfers. This card also offers a $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 for making purchases, you should make sure you can make your payments on time.
The credit limit on the Citi Double Cash Card is not set and varies depending on your personal credit score. It is usually $500 or less. You'll learn your limit when you receive your card. You'll have a chance 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 scores. 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 onto it. In addition to its rewards, it's a reliable, stable credit card.
Capital One Venture Rewards Card
You can consider the Capital One Venture Rewards Credit Card if you're looking for a card with high cash-back rates. It offers cash back on purchases in several categories, including dining, grocery shopping, and entertainment. In addition to this, you can use your card to earn points toward flights and hotel stays.
In addition to rewards points, the Capital One Venture Rewards card offers several other benefits. The card allows users to access the Capital One Lounge at select airports, which will feature regionally curated grab-and-go food stations, bartended dining, 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 into 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.
Citi Diamond Preferred
Among the best cash advance credit cards, the Citi Diamond Preferred has many positive features, including its long introductory APR period, usually 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 is important to remember that you must have a good or excellent credit score to get this card.
This card comes with a welcome bonus of $150 after a $500 purchase. While this bonus is modest, it is in line with other cash-back credit cards. In addition, this card offers a long 0% intro APR period, which is helpful 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 who are interest-averse. Other perks of this card include the Easy Deals and Citi Entertainment programs.
