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Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. Check out reviews and compare terms and fees from several different lenders before you decide which one to use. One of the loans main advantages of a cash advance on a credit card is that it provides access to cash in a pinch, even if the cardholder does not have enough money in their checking or savings account.

Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. One of the loans main advantages of a cash advance on a credit card is that it provides access to cash in a pinch, even if the cardholder does not have enough money in their checking or savings account.