Cash advance credit cards are unique tools that allow you to borrow money from your credit card account. Unexpected expenses could leave you in a financial crisis. If you need an influx of cash for an emergency but don’t have enough funds to cover it, a cash advance can be a real lifesaver.
Best Cash Advance Credit Cards in 2024
Our list of the best cash advance credit cards includes regular cards for consumers, secured cards and business cards. Most come with no annual fees.
Updated: November 3, 2024
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What's the downside?
The downside to borrowing money through a cash advance is that you typically pay higher interest rates than standard purchases and face additional card fees. Because of the extra costs involved, consumers should only take out a cash advance when absolutely necessary.
When choosing a cash advance card, always pay attention to the fine print, including extra fees, interest charges and advance limits. MoneyGeek recommends considering other card benefits included — not just the cash advance option — to find the right card choice for your spending.
MoneyGeek’s Take: Top 10 Credit Cards with Lower Cash Advance Fees
The top cash advance credit cards we’ve selected include several that do not charge any cash advance fees. The best ones also come with competitive cash advance APRs. For example, the Navy Federal Credit Union Platinum Card charges no cash advance fees for transactions carried out at Navy Federal branches or ATMs, and you may qualify for a low cash advance APR depending on your creditworthiness. Other factors that require your attention when choosing a card include annual fees, the ability to earn rewards, purchase APRs and added benefits.
Credit Card | Best for | Annual Fee | Cash Advance Fee | Cash Advance APR | |
---|---|---|---|---|---|
A fantastic low-interest card that comes with no annual fees | $0 | Either $4 or 3% of the amount of each cash advance, whichever is greater. | 18.75% – 26.75% variable | On Issuer's Site | |
A good no-annual-fee business credit card for earning rewards | $0 | None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction | 2% above your Standard APR | On Issuer's Site | |
A great no-annual-fee balance transfer card for Navy Federal members | $0 | None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction | 13.49% - 18.00% variable | On Issuer's Site | |
A good no-annual-fee rewards card with bonus categories | $0 | None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. | 16.24% - 18.00% | On Issuer's Site | |
A great no annual fee card that offers rewards and travel benefits | $0 | Either $4 or 3% of the amount of each cash advance, whichever is greater. | 20.75% – 28.75% variable | On Issuer's Site | |
A good no-annual-fee rewards card with bonus categories | $0 | None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. | 16.24% - 18.00% | On Issuer's Site | |
A good low-APR balance transfer card with no annual fees | $0 | None | 17.99% variable | On Issuer's Site | |
Best for those looking for a credit-boosting card with a 0% intro APR | $0 | 3% with a $10 Minimum | 29.24% variable | On Issuer's Site | |
A great no annual fee gas rewards card | $0 | None | 17.99% | On Issuer's Site |
The links in the table above will take you to one of our partner's sites where you can compare and apply for a selected credit card.
On This Page:
Best Cash Advance Credit Cards
Below, we list the very best cash advance credit card offers currently available. These include both low-fee cash advance cards and no-fee options. Our detailed listings offer insights, pros and cons, and an expert editorial review of the card.
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
We love the Simmons Visa® because it gives people with excellent credit a great no-frills alternative. It comes with an extremely low interest rate and no annual fees for the life of the card.
This card might also work well for you if you wish to use it for transferring a balance from a high-interest card. A 0% APR offer on balance transfers stays in place for the first 12 months.
A complimentary worldwide travel accident cover provides peace of mind when you're traveling locally or overseas.
- PROS
- No annual fees
- 0% APR offer on balance transfers for 12 months
- Low ongoing APR on purchases and balance transfers
- Highly competitive APR on cash advances
- Car rental and travel cover
- No balance transfer fees after the intro period
CONS- Cash advance fees
- Foreign transaction fees
- Balance transfer fees during the first 12 months
- Introductory Offers
- Enjoy 0% interest on balance transfers for the first 12 months.
- APRS, Fees, and Penalties
- Benefit from a low interest rate, making it easier to manage your balance.
- No annual fees, helping you save money each year.
- Be aware that cash advance and foreign transaction fees apply.
- Perks & Benefits
- Take advantage of car rental coverage for peace of mind on the road.
- Receive up to $1,000,000 in travel accident insurance for added security during your travels.
- Introductory Offers
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
We recommend the GO BIZ® Rewards Credit Card to small business owners who wish to earn rewards without paying any annual fees. You can opt for either a Visa or Mastercard. Both offer one reward point per dollar spent on eligible purchases. There is no maximum limit to the number of points you may earn or accumulate. However, your points stand to expire if you don’t use them within four years.
Using this card outside of the U.S. is perfect because it does not charge foreign transaction fees. Getting additional cards for your employees is possible, which gives you the ability to earn reward points faster. You may redeem your points for flight tickets, as cash back or to purchase gift cards.
- PROS
- No annual fee
- No foreign transaction fee
- No cap on earning rewards
- No fees for additional cards
- Visa/Mastercard benefit
CONS- 1 reward point per dollar
- Points expire after four years
- No annual and foreign transaction fees
- No cash advance fees at a NFCU branches or ATMs
- No cap on rewards
- Points remain valid for four years from the month in which you earn them
- Up to 15% discount on qualifying business purchases at partner merchants
- $0 fraud liability policy
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Navy Federal Credit Union Platinum card stands out as a wallet-friendly choice because it lacks annual, balance transfer and foreign transaction fees. This card prioritizes user security with 24/7 stateside member support and robust fraud protections. Travelers and online shoppers will find value in the Collision Damage Waiver and enticing online Member Deals. While it doesn't offer traditional rewards or a bonus for new cardholders, the unique benefits and holistic support make it a reliable financial companion for many. However, be mindful that membership is a must to access its features.
- PROS
- No annual fees
- 24/7 stateside member access
- With fraud protections
- Collision Damage Waiver included
- Online member deals benefits
CONS- Membership required
- No new cardholder bonus
- No rewards
- No intro APR period
- APRs, Fees, and Penalties
- Enjoy no annual fees with this card.
- Benefit from no balance transfer fees.
- Make purchases abroad without foreign transaction fees.
- Regular APR ranges from 11.49% to 18% (variable).
- Perks & Benefits
- Access 24/7 stateside customer service representatives.
- Easily freeze and unfreeze your card for security.
- Receive fraud notifications and enjoy a Zero Liability policy for unauthorized transactions.
- Includes Collision Damage Waiver for rental cars.
- Get travel and emergency assistance when needed.
- Rewards
- Earn higher rewards when shopping through Navy Federal's online Member Deals.
- Enjoy free shipping from selected retailers and exclusive offers.
- APRs, Fees, and Penalties
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
We love the Navy Federal Credit Union GO REWARDS® credit card because it lets you earn higher-than-usual reward points on bonus categories without charging any annual fees. In addition, it does away with fees for foreign transactions, balance transfers and cash advances. What makes this card particularly worthy of attention is you may qualify even if you have average credit.
This card offers 3x points per dollar at restaurants, 2x points per dollar on gas and 1x point per dollar on all other purchases. There is no limit to the number of points you may earn, and they remain valid for as long as your account is in good standing. You may redeem your points as cash back, to pay for airline tickets and in other ways.
- PROS
- No annual fees
- Low intro APR offer on purchases
- No foreign transaction fees
- Earn up to 3x points per dollar
- Those with average credit may qualify
CONS- Penalty APR may apply in case you make a late payment
- No travel protection
- No annual, foreign transaction, balance transfer and cash advance fees
- Earn 3x points per dollar at restaurants
- Earn 2x points per dollar on gas
- Earn 1x point per dollar on all other purchases
- Redeem points for airline tickets, car rentals, hotels, event tickets, tours and attractions, cruises and vacation packages, gift cards, merchandise rewards or cash back rewards
- People with average credit may qualify
- $0 liability policy
- Free access to credit score
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
We love the Simmons Rewards Visa Signature® card because of its relatively low interest rates on purchases, balance transfers and cash advances.
Meant for people with excellent credit, this card gives you the ability to earn 1.25 reward points for every dollar you spend.
A 0% intro APR offer on balance transfers gives you easy means to save some money while paying off other high-interest credit card debt.
If you find yourself in a tight spot while traveling, you might benefit from the travel assistance and travel coverage this card provides.
- PROS
- Earn 30,000 bonus rewards points for spending $3,000 in the first 3 months of account opening
- Low interest on purchases and balance transfers
- No annual fees
- Competitive cash advance rate
- Intro 0% APR offer on balance transfers for the first 12 months
- No balance transfer fees after the promotional period
- Earn 1.25 points for every dollar spent on purchases
- Reward points for cash back, merchandise, airfare or vacations
- Travel and car rental coverage
- Visa Signature perks
CONS- Cash advance fees
- Foreign transaction fees
- Balance transfer fees during introductory period
- Introductory Offers
- Earn 30,000 bonus points after spending $3,000 within the first three months of account opening. Enjoy a 0% introductory APR on balance transfers for the first 12 months, followed by a variable APR of 16.75% to 24.75%.
- Rewards
- Earn 1.25 points per dollar spent on all purchases.
- Redeem your points for cash back, merchandise, gift cards, car rentals, vacations, or airfare.
- APRs, Fees, and Penalties
- Benefit from a low interest rate.
- Enjoy a $0 annual fee.
- Perks & Benefits
- Get car rental coverage and travel accident insurance up to $1,000,000.
- Access complimentary 24-hour Visa Signature concierge services, exclusive hotels, and special entertainment packages.
- Introductory Offers
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The PenFed Gold Visa® Card is a solid choice for those looking for straightforward financial advantages. Imagine going on a shopping spree or traveling abroad without fretting about added costs — this card eliminates yearly fees and pesky foreign transaction charges. Plus, it gives you breathing space with its initial interest-free purchase period. However, be mindful that there's a fee involved when transferring balances. Also, while it doesn't overwhelm you with rewards, its simplicity and core benefits make it a reliable card for everyday use.
- PROS
- No annual fee
- With 0% intro APR offer
- No foreign transaction fee
CONS- Charges a balance transfer fee
- Interest charged if not paid in full
- No additional reward incentives
- Introductory Offers
- Enjoy a 0% introductory APR on purchases for the first 15 months.
- APRs, Fees, and Penalties
- After 15 months, the regular APR for purchases is 17.99% (variable).
- A 3% balance transfer fee applies.
- Interest is charged on all purchases unless the entire balance is paid in full by the payment due date.
- Perks & Benefits
- No annual fee.
- No foreign transaction fee.
- Introductory Offers
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
We recommend the Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card issued by Synovus Bank to individuals who wish to build or rebuild their credit. You may provide any amount between $200 and $2,000 as your refundable security deposit, and the same will serve as your credit limit.
Getting this card might work well for you if you wish to make a purchase that you plan to pay off within a few months. This is because it comes with an intro 0% APR offer on purchases for the first six months.
Making your payments on time and using a small percentage of your credit limit can help improve your credit score as this card reports your payment history to the top three credit bureaus. You need to pay a $49 annual fee for as long as your account remains active. You also have to pay foreign transaction fees if you use your card outside of the U.S.
- PROS
- Low credit requirement
- 0% intro APR for 6 months
- Low APR after the intro period
- High credit line
CONS- Annual fee of $49
- High security deposit
- 3% foreign transaction fee
- Credit Building Features
- Requires a refundable security deposit starting at $200.
- Regularly reports your credit activity to all three major bureaus.
- Suitable for those with a credit score of 300 or higher.
- Account Management
- Enjoy 24/7 online access to manage your account conveniently.
- APRs, Fees, and Penalties
- Cash advances come with a fee of $10 or 3% of the amount, whichever is greater.
- Late payments may incur a fee of up to $40.
- Credit Building Features
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Platinum Rewards Visa Signature® Card offers exceptional value, especially for those who regularly spend on gas, dining and groceries. With a rewarding bonus just for starting and no annual fee, it provides an immediate kickstart to your rewards journey. Additionally, those looking to consolidate their debt will find the promotional balance transfer rate appealing. While it requires a higher credit standing and PenFed membership, the benefits are tailored for discerning cardholders who prioritize savings and rewards in their financial toolkit.
- PROS
- No annual fee
- With welcome bonus
- Potentially high rewards for everyday expenses
- 0% promo APR for balance transfers
CONS- High credit requirement
- With balance transfer fee
- Must be a PenFed member
- Rewards
- Earn 5X points for gas and EV charging station expenses.
- Earn 3X points at supermarkets, including most Target and Walmart stores, as well as restaurants and various media services.
- Earn 1X point on all other purchases.
- Introductory Offers
- Earn 15,000 bonus points after spending $1,500 in the first 90 days.
- Benefit from a 0% promotional APR for balance transfers for the first 12 months; a 3% transaction fee applies.
- APRs, Fees, and Penalties
- Regular APR: 17.99% variable.
- No annual fee.
- Membership Requirements
- Must be a PenFed member to qualify.
- Rewards
Other Credit Cards with Low Fees
Our experts ensure you get the latest and most accurate information by collecting 57 data points from card issuers' websites, the Consumer Finance Protection Bureau and our partners. They rely on our unique ranking methodology to examine all new and existing cards from this category to arrive at their revised lists of the best cash advance credit cards on an ongoing basis. The process involves assigning specific percentages to all important parameters. Examples include:
- Cash advance fee: 20%
- Cash advance APR: 20%
- Annual fee: 20%
- Average APR: 20%
How to Compare Cards with Cash Advance Features in Mind
While taking out a cash advance isn’t the best idea, it’s a valuable option if you’re in a financial pinch. If you’re thinking about applying for a cash advance card, here are several factors to consider while you research available credit cards.
Cash Advance Fees
If you’re taking out a cash advance, look for a card with low cash advance fees. Typically, cash advances fees are a set amount ($5–$10) or a percentage of the advance total, whichever is higher. Some cash advance cards don’t charge any fees — we recommend seeking these out first. If unexpected expenses pop up, the last thing you want to do is tack on even more debt with costly card fees.
Cash Advance APR
Along with expensive fees, most cards charge a higher APR for cash advances. Always check the APR before you open a new card. Also, understand that — unlike standard APR — interest starts accruing on charges immediately when you take out a cash advance.
Introductory APR Offer
Cards may also feature an introductory APR offer. These offers typically feature 0% interest for extended periods of 12 to 18 months. Charging emergency expenses to your card and paying them off over time may be a better option than taking out a cash advance, especially with cards that have introductory APR offers.
Cash advances are helpful if you need cash quickly, but they’re also an expensive way to borrow because of high rates and fees. There may be better options available, such as a balance transfer card or one that offers introductory 0% APR on new purchases, which would allow you to pay off any emergency expenses over a longer period.
Other Fees
Credit cards also charge other fees like annual fees, late fees and more. Always determine what charges are associated with a specific card before you apply.
Card Benefits
While you may be looking for the best card to use for cash advances, it’s a good idea to look at what other benefits a credit card offers. Many credit cards come with travel perks, purchase protections and other useful long-term benefits.
Credit Score
Your credit score and credit history determine if you qualify for a credit card. If your credit score isn’t up to par, look for credit cards geared towards people with fair or low credit.
MoneyGeek’s Quick Guide to Understanding Credit Card Cash Advances
With so many people living paycheck to paycheck these days, there’s often no extra cash cushion when unforeseen expenses occur. Your washing machine breaks. Your car needs repairs. Unexpected doctor visits lead to a pile of medical bills you can’t cover.
Credit card cash advances are a way to tap into quick cash to cover emergencies like these, especially if you don’t have an emergency fund. A cash advance is money given by a credit card issuer. They often come with expensive fees and APR charges, so they aren’t ideal in most circumstances.
So, why would someone use a cash advance? You can look at a cash advance as a short-term loan from your credit card company to use to get out of a financial bind and then pay it back. Cash advances are also more convenient than applying for loans, which can take several days or weeks to be approved.
It’s essential to understand how cash advances work, why they tend to be expensive, and alternatives that might be a better option in the long run.
How a Cash Advance on a Credit Card Works
A cash advance is essentially a loan from your credit card company for access to quick cash. Depending on your card, you can get cash advance funds in person, through an ATM or by check. Cash advance limits are usually lower than your credit limit.
The primary benefit of using a cash advance is the ability to address a pressing financial need immediately. Cash advance funds are easily accessible, giving you a quick way to take care of emergencies.
While you can pay for an emergency expense with a cash advance, remember that these charges are immediately subject to interest charges. Hefty fees and high APR rates usually accompany cash advances. Using a cash advance means you’ll end up paying more than the unexpected expenses themselves. It’s not an ideal option if you just want extra cash in your pocket.
MoneyGeek recommends only using cash advances in extreme circumstances where there’s no other option available, or you need access to extra money fast.
Why Cash Advances Are Expensive
Most experts say to avoid cash advances because of the high fees and interest charges attached to them. If you’re low on available funds, the last thing you want is extra charges on top of what you borrow. That’s precisely what happens when you use a cash advance.
Most cash advance fees are either a minimum flat rate charge or a percentage of the cash advance amount. For example, let’s say you take out a $500 cash advance. If the card has a $5 or 5% fee (whichever is greater), your cash advance fee would be $25.
The cash advance fee isn’t the only charge you need to worry about. Most cards have different APR rates for purchases and cash advances. Consider Chase Sapphire Preferred Card, one of the most popular rewards credit cards in the world. Depending on your credit, you could score a purchase APR as low as 15.99% with this card. Compare that to its 24.99% cash advance APR. Also, consider that the APR on card purchases doesn't typically kick in until after your statement due date. Interest on cash advances starts to accumulate immediately. If you had to borrow cash because of a difficult financial situation, the chances are it will take you a while to pay back your advance, leading to expensive interest charges.
The True Cost of a Cash Advance
Using the Chase Sapphire Preferred Card mentioned above, let’s look at how much it would actually cost to use a cash advance.
This particular card carries a cash advance APR of 24.99%. In our example, we’re taking out a $500 cash advance that we’ll pay back in 30 days, or roughly one month. Cash Sapphire Preferred comes with a cash advance fee of $10 or 5% of the amount of each transaction, whichever is greater. The cash advance fee in this scenario is $25.
- Divide the cash advance rate (24.99%) by 365 (days in a year) = 0.06846
- Multiply 0.06846 by the cash advance amount ($500) = $34.23
- Multiply $34.23 by the number of days until its paid back (30) = $1026.99
- Divide $1,026.90 by 100 percent = $10.27
- $10.27 + $25 cash advance fee = $35.27
A $500 cash advance with the Chase Sapphire Preferred Card would cost you $35.27 to borrow for 30 days.
Alternatives to Cash Advances
Using a cash advance may get the job done when you need access to cash quickly, and you’re able to pay it off fast. There are several other options available that might prove to be better and cost less money, though:
- Borrow money from family and friends. Borrowing money from loved ones is less expensive because you won't have to pay fees or interest charges. Keep in mind that if you aren’t diligent in paying back the money on time, you could damage the relationship, which is much worse than paying credit card fees.
- A credit card with an introductory APR offer. If you’re going to use a credit card, why not charge unexpected expenses to a card with an 0% intro APR offer and pay it off slowly over the next year or longer?
- Take out a personal loan. A personal loan might also have high interest rates depending on your credit, but probably still lower than those found with a cash advance.
- Request a payment extension. Talk to your creditor to see if you’re eligible for a hardship extension. Many creditors are willing to work with customers to offer extended time to pay off debt or work out a payment plan that works for both parties.
FAQs About Cash Advance Credit Cards
MoneyGeek answered some of the most critical questions about using a cash advance and cash advance credit cards:
What credit score do you need for a cash advance credit card?
Credit score requirements depend on the specific card. Typically, we recommend you have a FICO credit score of at least 670 to qualify for most cash advance cards. However, cards are available for individuals with fair credit (a score between 580–669).
Why would someone be denied a cash advance credit card?
You could be refused a cash advance credit card if you don’t meet the credit card issuer’s credit requirements and other criteria.
Can you get cash advances with all credit cards?
No, not all credit cards offer cash advances. Check whether a card offers cash advances before applying.
What’s the average cash advance fee?
Typically, cash advance fees range from 3% to 5 or a minimum of $10, whichever is greater.
Why is there a difference between cash advance APR and APR on regular purchases?
Cash advances typically have a higher APR than the APR for regular purchases because you’re borrowing cash, not making a purchase. A cash advance is like a loan from a credit card issuer and carries a greater lending risk, hence a higher APR.
How much does a Chase cash advance cost?
Chase cash advance costs depend on the specific card. The Chase Sapphire Preferred Card, for example, carries a $10 or 5% (whichever is higher) cash advance fee, plus a 24.99% cash advance APR.
Why do credit union credit cards usually have lower cash advance fees?
Credit unions generally charge lower rates and fees because they don’t need to generate large profits to satisfy investors and shareholders.
How do you get a cash advance from a credit card?
Typically, cash advances are available via ATM, by check or in-person if there’s access to a local branch.
How long does it take to get a cash advance from a credit card?
Getting a cash advance can take just a few minutes. The fastest way is to use an ATM and request a cash advance.
Does a cash advance hurt your credit?
Using a cash advance doesn’t automatically hurt your credit. However, it does increase your credit utilization ratio, which is one of the primary factors in determining credit scores.
How can I get cash from my credit card without a cash advance?
A cash advance is the primary way to get cash from your credit card. You can also buy a prepaid gift card or purchase an item you can sell for cash.
How much cash advance can I get from my credit card?
Each credit card has its own cash advance limit, which is usually a percentage of your card’s total credit limit.
Can people with limited or poor credit history be approved for a cash advance card?
Yes, there are a few credit cards for people with fair credit that offer cash advances.
Do cash advance credit cards offer rewards like cash back or points?
Some cash advance credit cards also earn rewards for card spending.
Cash advances aren’t an ideal option for borrowing money, especially if you’re looking to avoid extra credit card charges. But, if you’re in a bind and need access to cash fast, using a cash advance may be the best choice available. Take time to research each card option by looking at details like cash advance fees and APR charges before choosing a card.
Next Steps
Take a close look at what the best cash advance cards have to offer and make a selection after comparing your top options based on parameters such as cash advance fees, cash advance APRs, annual fees and the possibility to earn rewards on purchases.
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About Kevin Payne
Kevin Payne is an award-winning finance writer and the founder of FamilyMoneyAdventure.com, specializing in credit cards, banking and student loans. His works have been published on Forbes Advisor, The Ascent and Investing Answers. He also writes personal finance content for MoneyGeek.
Payne is in the process of completing his Accredited Financial Counselor (AFC) certification.
sources
- Finder. "Cash advances – the interest rate and fee you’ll pay." Accessed November 3, 2024.
- Chase. "Chase Sapphire Preferred Card® Credit Card." Accessed November 3, 2024.
- Chase. "How do credit card cash advances work?." Accessed November 3, 2024.
- Chase. "When does interest start to accrue on a credit card?." Accessed November 3, 2024.
- Consumer Financial Protection Bureau. "What is a grace period for a credit card?." Accessed November 3, 2024.
- CapitalOne. "What Is a Cash Advance on a Credit Card?." Accessed November 3, 2024.
- Bank of America Better Money Habits. "What is a credit card cash advance?." Accessed November 3, 2024.
- MyFICO. "What is a FICO® Score?." Accessed November 3, 2024.
- Experian. "What Is a Cash Advance?." Accessed November 3, 2024.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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