{"id":296987,"date":"2024-08-09T10:30:53","date_gmt":"2024-08-09T14:30:53","guid":{"rendered":"https:\/\/milesopedia.com\/?p=296987"},"modified":"2025-03-28T12:20:15","modified_gmt":"2025-03-28T16:20:15","slug":"credit-card-cash-advances","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-card-cash-advances\/","title":{"rendered":"Using Credit Card Cash Advances Wisely"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<p>Learning to use <strong>credit card cash advance<\/strong> can be handy when you need short-term liquidity. Indeed, signup and promotional offers often allow you to borrow money, in the form of a balance transfer or cash advance, for periods of 6 to 12 months without interest or at a low rate.<\/p>\n<p>Then, if you can use that money to generate more, fund your projects, pay off another debt, etc. However, this must be approached cautiously because you must respect the terms and conditions; otherwise, the benefits won\u2019t outweigh.<\/p>\n<p>[\/vc_column_text][vc_message message_box_color=&#8221;alert-warning&#8221;]<\/p>\n<p>I am <strong>not a financial advisor<\/strong>, and this article does not provide advice but information about how credit card cash advances may be used in different solutions.<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22647,91259,158810\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Cash Advances &#8211; How does it work?&#8221; el_id=&#8221;credit_card_cash_advances_-_how_does_it_work_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>While we advise consumers just to employ credit cards as a form of payment, some promotions can be a valuable resource in order to utilize <strong>balance transfers and cash advances<\/strong> if used wisely.<\/p>\n<p>These balance transfers and cash advances promotions frequently take the following formats:<\/p>\n<ul>\n<li>0% interest for a fixed number of months for a 1% transfer fee<\/li>\n<li>0.99% interest for a determined period with a 0% transfer fee<\/li>\n<\/ul>\n<p>Each deal has a different balance transfer term, interest rate, and transfer cost. Additionally, you can benefit from these deals as a brand-new customer or get one to activate as an existing consumer.<\/p>\n<p>For example, new clients can sign up for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\">CIBC Select Visa* Card<\/a>, which currently offers <strong>0% interest for ten months at a 1% transfer fee<\/strong>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"91259\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Therefore, you can either employ the credit limit as a balance transfer to pay off another credit card or request it as a cheque as a <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/comment-obtenir-une-avance-de-fonds-avec-une-carte-de-credit\/\">cash advance<\/a>.<\/p>\n<p>Cash advances are used to benefit from reduced interest rates while your money is worth more elsewhere. This is an excellent approach to cut costs when appropriately exploited; of course, you need to reimburse that amount when due!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"242562\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Cash Advances &#8211; Saving accounts&#8221; el_id=&#8221;credit_card_cash_advances_-_saving_accounts&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Although six months is not a lengthy period to invest in the stock market, we frequently have <a href=\"https:\/\/milesopedia.com\/en\/savings-accounts\/laurentian-bank-high-interest-savings-account\/\">bonus interest promotions for savings accounts<\/a>, such as this one:<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;271915&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text]<\/p>\n<p>In fact, I received a 5% savings rate offer on new deposits in my <a title=\"Tangerine Savings Account\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine Savings Account<\/a> in February! The promotional rate was supposed to end in June, but it is currently being extended until September.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;271911&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;271913&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Afterwards, who knows? With the <a href=\"https:\/\/www.bankofcanada.ca\/rates\/daily-digest\/\">Bank of Canada&#8217;s high-interest rate<\/a>, it might be stretched again! Another thing to look out for is that there are often similar promotions with <a title=\"EQ Bank - Savings Plus Account\" href=\"https:\/\/milesopedia.com\/en\/go\/eq-bank-personal-account\/\" rel=\"noindex\">EQ Bank<\/a>, for example.<\/p>\n<p>In the meantime, I can use liquidity from my <strong>credit card cash advances<\/strong> to earn a little bit of passive income; with it being put into a savings account, there is no risk of hindering the capital, so I can return the money when it\u2019s due.<\/p>\n<p>Here\u2019s a simplified illustration of what a $15,000 cash advance with no interest can do when parked at 5% in a <a href=\"https:\/\/milesopedia.com\/en\/savings-accounts\/laurentian-bank-high-interest-savings-account\/\">Savings Account<\/a>:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"width: 100%;\">\n<thead>\n<tr>\n<td width=\"312\">Details<\/td>\n<td width=\"312\">Interest or fees<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"312\"><a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> Annual fee<\/td>\n<td width=\"312\">\n<p style=\"text-align: center;\">($-29) waived for the first two years<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"312\"><a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> 1% Transfer fee<\/td>\n<td style=\"text-align: center;\" width=\"312\"><span style=\"color: #800000;\">&#8211; 150$<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"312\"><a href=\"https:\/\/milesopedia.com\/en\/savings-accounts\/tangerine-savings-account\/\">Tangerine Savings Account<\/a> (5% for six months)<\/td>\n<td style=\"text-align: center;\" width=\"312\"><span style=\"color: #008000;\">+ 375$<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"312\"><strong>Net return<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"312\"><strong><span style=\"color: #008000;\">+ 225$<\/span><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p>When we compare this cash advance manoeuvre with a similar return you can get with other <a target=\"_blank\" href=\"\/?p=106272\">great cashback credit card offers<\/a>, new clients can usually earn 10% (up to 200$) on the following popular products.<\/p>\n<p>The difference is that, by using <strong>credit card cash advances<\/strong>, you don\u2019t need to spend any money earning that amount as cashback!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"225991,22687,22695\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Cash Advances &#8211; Registered Savings Account&#8221; el_id=&#8221;credit_card_cash_advances_-_registered_savings_account&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Suppose you have space available in your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">Registered Retirement Savings Plan<\/a> (RRSP). In that case, you can use <strong>credit card cash advances<\/strong> to contribute and benefit from a tax return or generous government contributions.<\/p>\n<p>An important note about employing this strategy is that once the money is put into your RRSP, you cannot withdraw it at leisure unlike ordinary saving accounts. This means you are simply using credit cash advances to buy yourself some time to earn the money organically.<\/p>\n<p>Timing and evaluating your earning\/saving potential are therefore crucial. For example, if you use the cash advance from the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\">CIBC Select Visa* Card<\/a>\u00a0in your RRSP in October 2024, you will:<\/p>\n<ul>\n<li>Benefit from 0% interest for six months<\/li>\n<li>Benefit from 6 months to earn the cash advance amount from your job (so you can reimburse the money when due)<\/li>\n<li>Benefit from growth and compound interest as soon as you contribute<\/li>\n<li>Receive a tax return in April 2025<\/li>\n<\/ul>\n<p>As we can see, in this case, you can use credit card cash advances to buy time and not miss that March 1<sup>st<\/sup> deadline while earning some passive income from the moment you inject the money into your RRSP account!<\/p>\n<p>Borrowing to maximize your RRSP and get an income tax return is relatively common; credit card cash advance is just another way of loaning money.<\/p>\n<p>The same can be done with maximizing your kids\u2019 <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-education-savings-plan-resp-guide\/\">RESP<\/a> or your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/real-estate\/fhsa-everything-you-need-to-know\/\">FHSA<\/a>, which are also time-sensitive, while you find other ways to earn money, such as with your job.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"191721,195620\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Cash Advances &#8211; Paying off another debt&#8221; el_id=&#8221;credit_card_cash_advances_-_paying_off_another_debt&#8221;][vc_column_text]<\/p>\n<p>If you\u2019ve recently got a new place, you may have to face a significant number of <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-to-save-home-improvements-credit-cards\/\">renovations<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/moving-furnishing-expenses\/\">moving and furnishing costs<\/a>. Indeed, obtaining what you need to settle down may be pricey and you may have to resort into borrowing money if you can\u2019t dip into your savings.<\/p>\n<p>Instead of turning to your credit line at a high prime rate, why not take advantage of <strong>credit card cash advances<\/strong> at 0% to cover your purchases temporally?<\/p>\n<p>When you must return the amount after the promotional period is over, you can fall back on your credit line since the prime rate will probably less expensive than credit card fees. Remember that you have time to earn the money to reimburse (totally or partially) your costs while you are sitting on the cash advance offer!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"271881,137507\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In addition, in the meantime, you can also earn credit card rewards on your purchases. For example, we cleared the balance on the\u00a0<a title=\"World Elite Mastercard from National Bank\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">World Elite Mastercard from National Bank<\/a> bill when the cash advance cheque was deposited by making the customary full payment. There were four reasons for doing it that way:<\/p>\n<ul>\n<li>0% interest on $5,000 plus a $50 transfer fee, saving us from using our home equity credit line, which had a higher interest rate.<\/li>\n<li>We are able to put $5,000 away or invest it at our convenience during the same period.<\/li>\n<li>Take advantage of our <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\">credit card purchase insurance<\/a> to get an extended appliance warranty.<\/li>\n<li>Helping us meet the minimum required spending on that card quickly to earn points for our next trip!<\/li>\n<\/ul>\n<p>Similarly, if you were carrying another credit card debt and paying a higher fee, using a cash advance or balance transfer can help you breathe and buy you some time to clear your debt.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"132067\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_message message_box_color=&#8221;alert-warning&#8221;]<\/p>\n<p><strong>Credit Card Cash Advances<\/strong> can help you finance any purchase. However, be careful so you don\u2019t overspend just because you have access to interest-free money. Ultimately, it\u2019s not yours, and you must return it, so getting you out of a pickle is excellent but <strong>don\u2019t dig yourself into a financial hole<\/strong>.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text]<\/p>\n<p>Using <strong>credit card cash advances<\/strong> can be a powerful tool. Still, you must remain cautious not to overspend as it\u2019s not your money and to respect the terms and conditions so you don\u2019t incur any undesirable penalties or fees. Remember that it\u2019s borrowed money; you <strong>MUST<\/strong> pay it back.<\/p>\n<p>When employed right, you can benefit from some additional passive income, more points or government benefits!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"91259\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Understand the benefits of <strong>credit card cash advances<\/strong>: leverage wisely for passive income, savings, and debt 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Que vous soyez un novice ou un expert, Milesopedia est l\u00e0 pour vous accompagner dans vos projets et r\u00e9pondre \u00e0 toutes vos questions.","url":"https:\/\/milesopedia.com\/en\/author\/milesopedia\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/296987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/2455"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=296987"}],"version-history":[{"count":1,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/296987\/revisions"}],"predecessor-version":[{"id":439289,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/296987\/revisions\/439289"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/242567"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=296987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=296987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=296987"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=296987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}