Whether you're facing an unexpected bill or need to make a cash-only purchase, your card can help you out with a cash advance

What You Need to Know About Cash Advances

  • Your cash advance credit line is part of your total credit line. Other balances, such as purchases and balance transfers, may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, please check your cash advance credit line before taking a cash advance.
  • There is a cash advance transaction fee. Your information can be found in your Cardmember Agreement.
  • We will begin charging interest on cash advances as of the later of the transaction date or the first day of the billing period in which the transaction posts to your account. We apply payments and credits at our discretion, including in a manner most favorable or convenient for us.
  • Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  • Some ATMs may have additional fees and restrictions. Discover is not responsible for third-party delays in processing transactions.
  • Cash advances do not earn rewards.

If you need more information, you can find it in your Cardmember Agreement or call 1-800-DISCOVER (1-800-347-2683).

What you need to know about cash advances
 
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ATMs & Banks

Create a PIN to get cash instantly at over 500,000 ATMs. Or stop by a participating 

Participating Banks and Credit Unions

Here's a list of major banks that usually provide over-the-counter cash access with a Discover card and photo ID. Participation can vary by location, so we strongly recommend contacting a your local branch to confirm before making the trip.

 

Wells Fargo                                      HNB   
US Bank   M&T Bank
TD Bank   Santander Bank
Suntrust Bank   Trustmark
BB & T   BMO Harris
Citibank   Arvest Bank
Capital One Bank   Key Bank
Fifth Third Bank   Compass Bank
First National Bank   FCF Bank
Citizens Bank   Bank of the West
bank or credit union. Find an ATM
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Online Direct Deposit

Deposit cash straight into your
checking account for easy access within 1–3 days.

Log in to learn more


Some things to keep in mind with a cash advance

APRs & Fees

Log in and view your statement to see yours, and keep in mind that interest will be charged right away on cash advances.

Limits

The amount of your cash advance is limited to your available Cash Advance Credit Line. Also keep in mind that different banks may have their own cash draw withdrawal limits through ATMs—and some ATMs may have additional fees and restrictions.

Requirements

Banks and credit unions require a photo ID to access cash. It's also good to check that your financial institution honors cash access with Discover. If you prefer to use an ATM, just make sure to create a PIN.

Frequently Asked Questions

Yes! Discover Card provides quick and easy options to get cash anytime and anywhere. You can get cash with your Discover card in three easy ways:

(1) cash advance into checking, (2) ATMs, and (3)  banks and credit unions.

With cash advance into checking, you can transfer cash from your Discover Card directly into your checking account.

Most accounts from which you've made payments to your Discover Card bill in the past are eligible for these transactions. Learn more about eligibility requirements.

Yes! To get cash at an ATM, all you need is your Discover Card and your PIN. If you don't know your PIN, create or change your PIN here.

You can create or change your PIN online here.

If you forgot your PIN, you can create a new one here.

Here's a list of major banks that usually provide over-the-counter cash access with a Discover card and photo ID. Participation can vary by location, so we strongly recommend contacting a your local branch to confirm before making the trip.

 

Wells Fargo, US Bank, TD Bank, Suntrust Bank, BB & T, Citibank, Capital One Bank, Fifth Third Bank, First National Bank, Citizens Bank, HNB, M&T Bank, Santander Bank, Trustmark, BMO Harris, Arvest Bank, Key Bank, Compass Bank, FCF Bank, Bank of the West

There is a cash advance transaction fee. Your information can be found in your Cardmember Agreement. Some ATMs may have additional fees and restrictions.

The amount of your cash advance will depend upon what you have available in your cash credit line. Other balances, such as purchases and balance transfers affect how much is available for cash. To check your available cash credit line, visit your Account Center and select "Card Info."