Cash advances are convenient, but it's important to understand how they work before requesting one.

Know the cost

Cash advances usually include transaction fees and a higher APR than credit card purchases. With each cash advance, we charge a front-end fee, or service charge, that posts to your account the day of the transaction. Be sure to review your account terms for details.

Things work a little differently when it comes to how payments are applied to cash advances. Check out your account terms so you'll know what to expect.

Know your available credit for cash advances limit

Look at your most recent credit card statement and find Available Credit for Cash Advances. Keep in mind, sometimes ATMs have additional limits.

To get a cash advance at an ATM with your Personal Identification Number (PIN)

  1. Follow the cash advance instructions displayed on the ATM

  2. Make sure you understand any fees that the ATM might charge in addition to those outlined in your account terms before completing the transaction

How to get a cash advance if you don’t have your PIN

You can take a cash advance inside a bank lobby that displays the Visa or MasterCard credit card logo. You’ll just need to provide a government issued photo ID like a driver's license along with your Capital One card.

Forgot your PIN? You can request a new one. It usually takes several days for your PIN to arrive in the mail, but you might be eligible to get one instantly by requesting it online.