Credit Card with Cash Advance Limit: Learn How It Works and Which Ones Get Approved Fast

Have you ever thought about having a credit card that lets you withdraw cash whenever you need it, directly from an ATM or through the app?
This feature exists and can be the solution for those who want financial flexibility and quick access to cash.

Keep reading and find out how to apply for your cash advance credit card — even if you have a low credit score.

What Is a Credit Card with a Cash Advance Limit?

Also called a cash advance card or emergency withdrawal card, it allows you to use part of your credit limit as cash.
In other words, instead of just making purchases, you can withdraw money and use it however you like.

💡 Example: If your card has a $2,000 limit, the bank may allow up to $800 for cash withdrawal.

Benefits of Having a Credit Card with Cash Advance

• Immediate access to cash – ideal for emergencies.
• Greater flexibility – withdraw from an ATM or via app.
• Installment options – often up to 12 monthly payments.
• Available even for low credit scores – some issuers approve with simplified analysis.

Imagine being able to withdraw cash on a weekend or holiday without relying on a loan or transfers from others.

Which Cards Offer a Cash Advance Limit?

Some of the most popular cards with this feature include:

• Payroll credit cards – ideal for retirees and employees, with up to 70% of the limit available for withdrawal.
• Digital bank cards – such as some options from PagBank, Banco Pan, and Neon.
• Simplified approval cards – designed for those with low credit scores or negative records.

💡 Tip: always check whether the card offers free or low-fee cash withdrawals to save money.

How to Apply for a Credit Card with Cash Advance?

1. Choose a reliable institution – fintech or reputable bank.
2. Fill in your information online or via app – usually takes just a few minutes.
3. Wait for the credit analysis – even with restrictions, approval is possible.
4. Activate the cash advance feature in the app – in many cases, it’s available from the first use.

Frequently Asked Questions (FAQ)

1. Can I withdraw money even with bad credit?
Yes! Some cards, especially payroll and fintech cards, allow cash advances even with restrictions.

2. Does the withdrawn amount appear on the credit card bill?
Yes. The amount appears on your statement as a purchase and can usually be paid in up to 12 installments, depending on the card.

Conclusion

Having a credit card with a cash advance limit is like having a backup plan always at hand.
It’s ideal for emergencies, last-minute bills, or even to invest in something you need today.

👉 Run a quick simulation, compare your options, and see if you can get approved today!