How to Get Emergency Cash to Use on your Discover Card

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If you’re facing a financial emergency, you may wonder as a cardholder how you are able to get emergency cash to use on your Discover credit card. Other credit card companies may not offer as many options as Discover and there are many perks to having a credit card with no annual fees.

As a cardholder, using your perks and cash back to your full advantage is a must when you or a family member are facing a financial crisis. If you are facing money issues and you have no emergency fund saved up, you can consider a loan option through Max Cash® Title Loans as well. 2 Finding out if you qualify is as easy as filling out a short title loan inquiry form online.

To check out your cardholder options and how your credit card issuer can help you in an emergency, keep reading below!

How Can I Use My Discover Card to Get Cash?

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While other credit card issuers will not allow you to withdraw cash at an ATM or with a purchase, a Discover Card will allow you to. 

While a Discover Card is not a debit card, it does have a lot of perks! This perk is called the “cash over” benefit, which will allow you to turn your available credit at a store checkout into cash without a cash advance fee. For example, if you take out $60 in cash over when you are completing a purchase at a grocery store, you won’t be charged extra interest.  You can also get emergency cash to use on your Discover card at an ATM. But, there may be ATM fees to consider.

This method of getting emergency cash through a cash over is limited, however, as you will only be able to access your credit line, and only a certain amount per purchase. Discover has no annual fees on any card, which can be a better option in comparison to other credit card issuers.

Can I Use a Cash Advance with My Discover Credit Card to Get Emergency Cash?

While credit cards are normally for purchases, you can use your Discover credit card to get a cash advance. A cash advance means you are essentially borrowing cash from your credit card and putting it in your bank account. 

You are utilizing your available credit with Discover by doing this, which means that you will be charged interest for doing so.  The amount of cash you can receive with a cash advance will depend on your available credit line, as well as other balance transfers and purchases that were made on the card.

What are the Drawbacks of a Cash Advance with My Discover Credit Card?

One of the drawbacks to choosing a cash advance with your credit card is that your cash advance interest rate could be higher than the rate you are typically charged for purchases! A standard purchase with a Discover could be anywhere from 12%-30% APR depending on your credit history. 

With a cash advance, it could be a much higher interest rate, as the variable APR could change. Purchases made with your Discover card have a grace period. If you pay the balance in full you will not receive interest. However, interest charges will start accruing as soon as you take out a cash advance with your credit card!

Additionally, using too much of your available credit will increase your credit utilization and could reach your credit limit. Having no available credit can be harmful to your credit score! Make sure it is paid off by the due date! Check your credit card account and stay on top of payments, otherwise it could reflect poorly on your credit report.

How Does My Cash Back with Discover Help Me Financially?

Your cash back rewards are the most important part of your Discover credit card.  As a credit cardholder, you will often see your cash back rewards as a statement credit. This can be used to pay off your credit card balance. Or, it can be mailed to be deposited in your bank account!

Cash back rewards can change based upon the Discover card you have. But, some most common places you can get cash back rewards are:

  • 5% Cash Back at Amazon
  • Grocery Stores
  • Restaurants
  • Gas Stations
  • 1% Unlimited Cash Back on All Other Purchases with Your Card

Other Cash Back Credit Cards to Consider

While a Discover credit card can offer some best cash back options for your purchases, you can consider other credit cards. Some best credit cards for cash back options are:

  1. American Express Blue Cash Preferred
  2. Capital One Savor One Cash Rewards Card
  3. Chase Freedom Unlimited
  4. Capital One MasterCard
  5. Capital One Venture Visa 

While these cards all have great cash back options, one thing to consider is if they have high interest charges, or if the interest is higher than your current card with Discover.

There are many rewards cards but be sure to shop around for the most effective one for your financial situation! Some credit cards are great for small businesses, and some are better for college students trying to build credit. Finding the one that is right for your financial situation can come in handy when you need emergency cash!

Transfer Your Balance to a Better Credit Card Issuer

If your current lender or credit card provider has a high interest rate, you can do a balance transfer. This means acquiring a better card to help your financial situation!

A balance transfer with a credit card will let a lender get paid off with the cash advance from one credit card. The balance owed will go on a new card. If the interest rate is lower, it can help save you money in the long run and help your bank account! There can be an intro fee to do a balance transfer, so that is something to consider!

Contact Max Cash Title Loans for Help with Emergency Cash

While you can get cash through your credit card, it may not be enough! If you need extra help with your finances, Max Cash Title Loans may be able to help. Representatives are available to take your call- or you can apply for an online title loan in just a few minutes.1 See if you qualify for funding today!