How Do I Use My Citi Card for a Cash Advance

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How Do I Use My Citi Card for a Cash Advance?

Sometimes unexpected expenses arise, and you may find yourself in need of quick cash. In such situations, using your credit card for a cash advance can be a convenient solution. If you hold a Citi card, you’ll be pleased to know that it offers a straightforward process for obtaining a cash advance. In this article, we will guide you through the steps of using your Citi card for a cash advance and answer frequently asked questions to ensure a smooth experience.

Step 1: Confirm Your Eligibility
Before proceeding, it’s important to make sure that your Citi card allows cash advances. Most Citi credit cards come with this feature, but it’s always wise to double-check by reviewing your card’s terms and conditions or contacting Citi customer service. Additionally, you should also verify the cash advance limit on your card, as it may differ from your credit limit.

Step 2: Locate an ATM
Once you’ve confirmed your eligibility, the next step is to find an ATM that accepts your Citi card. Thankfully, Citi cards are accepted at ATMs worldwide, making it convenient to access cash whenever needed. Use the Citi website or mobile app to locate the nearest ATM in your area, or look for ATMs with the Citi logo.

Step 3: Withdraw Cash
Once you’ve found a compatible ATM, insert your Citi card into the machine. Follow the on-screen instructions and select the cash advance option. You will be prompted to enter the amount of cash you wish to withdraw. Keep in mind that there may be a daily cash advance limit set by Citi, so ensure that your desired withdrawal amount falls within that limit. After confirming the transaction, the ATM will dispense the requested cash, and the amount will be charged to your Citi card.

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Step 4: Review Fees and Interest Rates
It’s essential to be aware that cash advances usually come with additional fees and higher interest rates compared to regular credit card purchases. Citi will charge a cash advance fee, typically a percentage of the amount withdrawn, which will be added to your balance. Interest on cash advances may also accrue immediately, without the grace period typically granted for regular purchases. Therefore, it’s advisable to pay off the cash advance as soon as possible to minimize interest charges.

Step 5: Repayment
To repay the cash advance, you can make payments as you would for any other credit card balance. Ensure that you pay at least the minimum amount due each month to avoid late fees and penalties. If you have any questions regarding payment methods or need assistance, Citi’s customer service is always available to guide you.


Q: Can I use any ATM for a cash advance with my Citi card?
A: Citi cards are accepted at most ATMs worldwide. However, some smaller or independent ATMs may not allow cash advances. It’s best to use ATMs displaying the Citi logo or check the Citi website or mobile app for a list of compatible ATMs.

Q: What is the cash advance limit on my Citi card?
A: The cash advance limit may differ from your credit limit, so it’s important to check your card’s terms and conditions or contact Citi customer service to determine your specific cash advance limit.

Q: How long do I have to repay the cash advance?
A: The repayment terms for a cash advance are similar to regular credit card balances. You will need to make at least the minimum payment each month by the due date stated on your billing statement. However, it’s recommended to pay off the cash advance as soon as possible to minimize interest charges.

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Q: Can I withdraw cash from my Citi card at a bank?
A: Yes, you can typically withdraw cash from your Citi card at a bank teller, but it’s important to note that fees and restrictions may apply. It’s advisable to check with the bank beforehand to ensure they allow cash advances on credit cards.

Q: Can I use my Citi card for a cash advance internationally?
A: Yes, Citi cards are accepted at ATMs worldwide, allowing you to obtain a cash advance while traveling abroad. However, keep in mind that foreign transaction fees and currency conversion fees may apply.

In conclusion, Citi cardholders have the convenience of accessing cash advances when needed. By following the steps outlined above and considering the associated fees and interest rates, you can effectively utilize your Citi card for a cash advance. Remember to repay the cash advance promptly to minimize interest charges and ensure responsible use of your credit card.