Which credit card has the highest cash advance limit?

Cards with high credit limits generally have higher cash advance limits. Premium business cards (like Chase Ink, Amex Business Platinum, or Citi Business) often have credit limits of $25,000–$100,000 and cash advance limits of 20–30% of that amount.

What is the Chase cash advance limit?

Chase sets cash advance limits at approximately 20–30% of your total credit limit. For a $10,000 Chase Sapphire credit limit, you could expect a $2,000–$3,000 cash advance limit. Chase charges a 5% or $10 minimum fee, whichever is greater.

Does American Express allow cash advances?

American Express credit cards allow cash advances. The cash advance limit is shown in your account. Amex charge cards (like the Platinum or Gold Card) do not allow traditional cash advances — only Express Cash from enrolled bank accounts.

What is the cash advance APR?

Cash advance APRs are typically higher than purchase APRs. Common ranges: Chase: 29.99%; Citi: 29.99%; Capital One: 26–30%; Discover: 29.99%. Unlike purchases, cash advances have no grace period — interest accrues from day one.

Cash Advance Limits by Card (2026): Chase, Amex, Citi, Capital One & More

Every major credit card issuer handles cash advances a little differently. Here are the specific limits, fees, and APRs by card for 2026.

Cash Advance Limits by Issuer

Issuer	Cash Advance Limit	Fee	APR
Chase	~20–30% of credit limit	5% or $10 min	29.99%
American Express	~20–30% of limit (credit cards)	5% or $10 min	29.99%
Citi	~20–30% of credit limit	5% or $10 min	29.99%
Capital One	~20–30% of credit limit	5% or $5 min	25–30%
Discover	~20–30% of credit limit	5% or $10 min	29.99%
Bank of America	~20–30% of credit limit	4% or $10 min	29.99%
Wells Fargo	~20–30% of credit limit	5% or $10 min	29.99%

Chase Cash Advance Limits (Specific Cards)

Chase Card	Typical Credit Limit	Estimated Cash Advance Limit
Chase Freedom Unlimited	$500–$30,000	$100–$6,000
Chase Sapphire Preferred	$5,000–$100,000	$1,000–$20,000
Chase Sapphire Reserve	$10,000–$100,000	$2,000–$20,000
Chase Ink Business	$3,000–$100,000	$600–$20,000

Chase charges 5% or $10, whichever is greater. Cash advance APR is 29.99%. ATM limit: approximately $500–$1,000/day.

American Express Cash Advance Details

Amex Card Type	Cash Advance	Limit
Amex Blue Cash Everyday	✅ Available	~20–30% of credit limit
Amex Gold Card (charge card)	❌ Traditional advance not available	N/A
Amex Platinum (charge card)	❌ Traditional advance not available	N/A
Amex Blue Business Cash	✅ Available	~20–30% of credit limit

Note: Amex charge cards offer “Express Cash” which transfers to a linked bank — it is not a traditional cash advance and has different terms.

Capital One Cash Advance Details

Capital One Card	Cash Advance Fee	APR
Venture X	5% or $5 min	~29.99%
Quicksilver	5% or $5 min	~29.99%
Secured Mastercard	5% or $5 min	~26.99%

Capital One generally uses 5% or $5, whichever is greater. Daily ATM limit: approximately $500.

Citi Cash Advance Details

Citi Card	Cash Advance Fee	APR
Citi Double Cash	5% or $10 min	29.99%
Citi Premier	5% or $10 min	29.99%
Citi Custom Cash	5% or $10 min	29.99%

Cash Advance Limit vs. Available Credit

Important: Your cash advance limit is separate from your total available credit.

Concept	Example
Total credit limit	$10,000
Available credit (after spending)	$7,500
Cash advance limit	$2,500
Available for cash advance	Min of available credit and cash advance limit

If you have spent $8,000 of $10,000 limit, your available credit is $2,000 — even if your cash advance limit is $2,500, you can only advance $2,000.

Cards with No Cash Advance Fee

A few cards stand out for having no cash advance fees:

Citi® / AAdvantage® Executive Card (check current terms)
USAA credit cards (for military members — 3% max fee, often lower)
Some credit union credit cards

These are exceptions — most major cards charge 3–5%.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy