Capital One Platinum Credit Card vs. Credit One Bank® Platinum X5 Visa®For someone rebuilding credit, the Credit One Bank® Platinum X5 Visa® is a potential alternative. It offers a 26.99% variable APR on purchases and earns 5% cash-back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter. All other purchases earn 1%. The card does carry an annual fee of $95 and a low initial credit limit. Many customers will find the fee structure difficult to look past even after considering the ability to earn cash back. Show
Capital One Platinum Credit Card vs. Discover it® Student Cash BackIf you’re relatively new to credit cards, the Discover it® Student Cash Back card may compare favorably to the Capital One Platinum. It carries no annual fee and offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum once activated. Plus, automatically earn unlimited 1% cash back on all other purchases. Additionally, at the end of a new cardholder’s first year Discover will provide a dollar-for-dollar match on all cash back earned. Remember, the Capital One Platinum does not provide any cash back. Capital One Platinum Credit Card vs Capital One QuicksilverOne Cash Rewards Credit CardThere’s another Capital One product to consider: the Capital One QuicksilverOne Cash Rewards Credit Card. The rate and benefits are similar to that of the Platinum, though the QuicksilverOne offers 1.5% cash back on all purchases. It would take $2,600 in spending to offset the $39 annual fee. If you can meet that expense threshold, the QuicksilverOne is the better option. Also, the cash-back benefit is versatile: it may be redeemed as a check or statement credit or cover a recent eligible purchase. All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered. Partner Offer: carefully review product terms on Capital One's site before applying There are several fees associated with the Capital One Platinum Credit Card, as indicated below. The card has no annual fee, balance transfer fee or foreign transaction fee. However, it has a variable regular purchases APR, cash advance APR and balance transfer APR of 26.99%. That means you should not carry any payment to the following month as this will attract high interest amounts.
This question is about the Capital One Platinum Credit Card @andrew_sutton • 03/24/22 This answer was first published on 06/07/19 and it was last updated on 03/24/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and
user-generated content is not provided, reviewed or endorsed by any company. You can get a Capital One Platinum cash advance at an ATM as long as you have a cash advance PIN. You can request a cash advance PIN for your Capital One Platinum through your online account or by calling customer service at (800) 227-4825. To get a Capital One Platinum cash advance PIN online, log into the Capital One website and click “I Want To…,” then “Get a Cash Advance PIN” (under the header “Control Your Card”). You’ll be able to get a PIN instantly delivered to your
email or over text. Once you have the cash advance PIN, you can withdraw cash at an ATM the same way you’d do with a debit card. You can use non-Capital One ATMs, but you’ll be subject to additional fees (average $2.5). That would make cash advances even more expensive than they will be already. The Capital One Platinum has a cash advance fee of 3% (min $3), whichever is greater. The withdrawal will also be
subject to a high APR. The Capital One Platinum cash advance APR is 28.49% (V). Another way you may be able to take out a cash advance is by using Capital One credit card checks, which Capital One sends to some cardholders based on creditworthiness. There are checks for purchases, balance transfers, and cash advances. Essentially, they work the same way any check would and allow you to pay at places that may not accept credit. However, if you do use a cash advance check, standard cash
advance fees and rates apply. If you weren’t sent credit card checks, you can call Capital One customer service at (800) 227-4825 and request them, but it’s not guaranteed your request will be granted. Capital One Platinum Credit CardDavid Osborn, Member@osborn_david • 10/27/17 This answer was first published on 10/27/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. I’m assuming you want to use it at an ATM to withdraw cash. So all you need is a PIN. You can request one online or by calling Capital One at 1-877-383-4802. costas_gavras, Member@costas_gavras • 06/07/19 This answer was first published on 08/14/18 and it was last updated on 06/07/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. What you should know about a Capital One Platinum cash advance and any credit card cash advance for that matter is that it's really expensive. Answer Question People also askWhat's the best cash advance credit card?The best cash advance credit card is the PenFed Platinum Rewards Visa Signature® Card because it has a 0% cash advance fee and a low cash advance APR: 17.99%. All PenFed cards have 0% cash advance fees and fairly low cash advance APRs. But this is very uncommon for other issuers. Cash advance fees are typically 3%-5%, and cash advance interest rates are usually over 20%.… read full answer Unfortunately, no credit card offers free cash advances. All credit cards charge interest on cash advances, at least. And that interest always starts accruing the moment you take out the advance. But if you get a card with no fee and pay off the balance right after doing a cash advance, you shouldn’t have to deal with much in the way of extra costs. Best Cash Advance Credit Cards in 2022
Offers 0% cash advance fee. 17.99% cash advance APR. $0 annual fee. Requires excellent credit.
Offers 0% cash advance fee. 17.99% cash advance APR. $0 annual fee. Requires excellent credit.
Offers 0% cash advance fee. 14.25% - 18% (V) cash advance APR. $0 annual fee. Requires excellent credit.
Offers 0% cash advance fee. 14.5% (V) cash advance APR. $500 minimum security deposit. $0 annual fee. Bad credit accepted.
Offers $5 cash advance fee. 18.99% (V) cash advance APR. $85 annual fee, waived the first year. Requires excellent credit.
Offers 3% (min $4) cash advance fee. 18% - 26% (V) cash advance APR. $0 annual fee. Requires excellent credit. Some of the best cash advance credit cards also offer some excellent rewards. For example, the PNC Premier Traveler card offers 30,000 miles for spending $3,000 in the first 3 months. And it gives 2 miles / $1 on all purchases. show less Anyone know how to get a cash advance on a credit card without a PIN?There are a few ways to get a cash advance on a credit card without a PIN. The easiest way to withdraw cash from a credit card without a PIN is to visit a bank that does business with your credit card company, ask the teller for a cash advance, and present your card along with a government-issued photo ID. You could also ask your credit card’s issuer for so-called … read full answercredit access checks, which you can then use to withdraw cash from your credit line. The other ways to get a cash advance on a credit card without a PIN are to purchase a money order from the likes of MoneyGram or Western Union, or link your credit card account to a service such as Amazon Pay. Alternatively, using an app such as Venmo, PayPal or Cash App can also help you pay people and businesses that can’t accept credit cards directly. Those services often charge a fee for using a credit card, but the transaction may actually be processed as a payment rather than a cash advance. To get a cash advance with a credit card at an ATM, however, you need a PIN. But getting one is easy. If you didn’t create a PIN when you activated your card, you should be able to call customer service, choose your number and get it set it up right away. Some issuers, such as Bank of America and Discover, also let you set a PIN online. Whether or not you use a PIN, you’ll want to be careful about cash advances. They typically charge high interest rates and a 2%-5% fee. Plus, there’s no grace period, so interest starts accruing as soon as you complete the transaction. But unforeseen circumstances arise for everyone, so here are your options if you need cash but don’t have a PIN. Here’s how to withdraw cash from a credit card without a PIN:
So, there are a handful of different ways to get a cash advance on a credit card without a PIN. Just remember that cash advances tend to be quite expensive and should be reserved for emergencies. For more information, check out our credit card cash advance guide. Here are the best ways to withdraw cash: If you need a way to access cash on a regular basis, it’s best to look for a cheaper, more sustainable alternative. Two options in particular are good for the job, though each will usually require a PIN of its own. For example, you could just get cash with a debit card. You won’t be able to borrow money with a debit card, but it would enable you to make purchases from cash-only merchants. Just go to an ATM or make a small purchase at a store and select the cash back option. Using a prepaid card is another possibility. A prepaid card is like a checking account with a debit card, minus the checkbook. You can use it to make purchases directly or to withdraw cash from ATMs. But it only allows you to use your own money and doesn’t help you build credit. show less David Osborn, Member@osborn_david • 09/11/17 This answer was first published on 09/11/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. You can withdraw money from any ATM, once you get a PIN. But I wouldn’t do that if I were you, not unless it’s an emergency. Ridiculously expensive. Not worth it. WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? Can I withdraw money from my Capital One Platinum credit card?You can get a Capital One Platinum cash advance at an ATM as long as you have a cash advance PIN. You can request a cash advance PIN for your Capital One Platinum through your online account or by calling customer service at (800) 227-4825.
How much can you withdraw from an ATM with a Capital One credit card?360 Checking: $1,000 per day. Money accounts where the account owner is less than 18 years old: $500 per day. Non-360 products: $600 per day.
Can I withdraw cash from my Capital One credit card?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.
What is Capital One's daily withdrawal limit?Total card purchases and withdrawals are limited to $5,000 per day. This includes ATM withdrawals, cash advances, and signature and PIN-based purchases. Withdrawals from an ATM made using a 360 Checking Card are limited to $1,000 per day. You can lower this limit by calling us at 1-800-655-2265.
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Capital one platinum credit card atm withdrawal limit
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