Getting cash from a credit card

Secrets to Getting Cash from a Credit Card

When most people think about getting cash from a credit card, they think in terms of cash advances that put them further into debt. In truth, getting free cash from a credit card - whether you live in [statetitle] or any other state - is a 1-2-3 proposition:

1. Find the right credit card. If you have decent credit, you have your pick of the litter. Banks that issue credit cards are hungry for customers with good credit, and many banks - from Kenosha WI to New York City - will make you an attractive offer. Getting cash from a credit card involves finding a card with no annual fee and an inviting rewards program. Do side-by-side comparisons of the formulas banks use to issue rewards, whether or not there is an annual fee (there shouldn't be), the cash-back ratio for the card, and any introductory bonuses.

2. Be flexible. When you talk about getting cash from a credit card, don't only think in terms of greenbacks. Many banks offer other types of rewards that are as good as cash. For example, Wells Fargo Bank offers a rewards program where you rack up points for purchases made, and then can redeem those points for any of hundreds of gift cards and other items. You can easily use your Wells Fargo Bank card for purchases through the year, and then redeem your points for gift cards you can use for your holiday shopping or as gifts themselves.

3. Take a balanced approach. If you're thinking about getting cash from a credit card, make a pledge to pay off your balance each month. The trick to truly getting something for nothing is to rack up as many points as you can without incurring interest fees or service charges.

As you can see, getting cash from a credit card is easy as pie, whether you're in Kenosha WI, Chicago, or Miami. You simply have to find the right credit card, be flexible about the potential rewards, and make sure you don't incur any unnecessary fees.