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Can You Get a Cashier's Check With a Credit Card?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
Not directly. Banks generally require cash or funds from a bank account to issue a cashier's check. The workaround is a credit card cash advance, which usually comes with a fee, a higher APR, and interest that starts right away.
Should You Get a Cashier's Check With a Credit Card?
Using a cash advance to fund a cashier's check is possible, but it is one of the most expensive ways to use a credit card.
Benefits
- Access to funds: You can cover a payment that requires guaranteed funds even if your checking account is short.
- Speed: A cash advance can be faster than waiting on a loan.
Costs
- Cash advance fees: The CFPB found that most card agreements it reviewed charge the greater of $10 or 5% of the advance.
- Immediate interest: Cash advances generally have no grace period, so interest starts on the transaction date, often at a higher APR than purchases.
- Bank fees: The bank issuing the cashier's check usually charges its own fee.
- Lower limits: Your cash advance limit is often lower than your overall credit limit.
- No rewards: Cash advances typically don't earn points, miles, or cash back.
How to Get a Cashier's Check Using a Credit Card
If you decide a cash advance is your only option, here is the general process.
- Check your card terms: Look up your cash advance fee, cash advance APR, and cash advance limit in your cardholder agreement or online account.
- Take the cash advance: You can usually get one at an ATM with your card's PIN, or at a bank teller with your card and a government-issued photo ID.
- Deposit or bring the cash to your bank: Many banks only issue cashier's checks to their own customers, so it is easiest to use the bank where you have a checking account.
- Request the check: Give the teller the payee's exact name and the amount, and pay the bank's cashier's check fee.
- Repay the advance quickly: Interest starts accruing immediately, so pay the balance as soon as you can. Our guide to getting cash from a credit card covers the costs in more detail.
Impact on Your Credit Score
A cash advance is added to your card balance like any other charge, so it can affect your credit in a few ways.
- Credit utilization: A large advance raises the share of your available credit you are using, which can lower your score until you pay it down.
- Payment history: Interest makes the balance grow faster, which raises the risk of a late payment. Payment history makes up 35% of a FICO Score.
Alternatives to a Cashier's Check
Money Orders
For smaller payments, a money order can work. USPS domestic money orders max out at $1,000 each, and the Post Office doesn't accept credit cards for them. See our guide on buying a money order with a credit card for other sellers.
Certified Checks
A certified check is drawn on your own checking account, and the bank confirms the funds are available. It can work when a recipient won't take a personal check.
Wire Transfers or Electronic Payments
For large payments like a down payment, ask whether the recipient accepts a bank wire or another electronic transfer from your bank account.
Use Your Credit Card Where It Pays You Back
Cash advances are costly, so your credit card does more for you on everyday purchases that earn rewards. Our guide to the best 2% cash back credit cards covers simple cards that earn on every purchase.
Kudos is a free browser extension and app that recommends the card in your wallet that earns the most at each store. Kudos Premium can also track your card benefits and auto-activate eligible card-linked offers. You can sign up for free in a few minutes, or compare cards in Kudos Explore.
Frequently Asked Questions
What does it cost to get a cashier's check with a credit card?
Expect a cash advance fee, cash advance interest from the day of the transaction, and the bank's cashier's check fee. Check your card agreement for your exact fee and APR.
Is using a credit card for a cashier's check a cash advance?
Yes. Because banks generally won't charge a credit card for a cashier's check, you would need to withdraw cash from your credit line first, which is a cash advance.
Does a cash advance hurt my credit score?
It can raise your credit utilization until you pay it off. The higher costs also make it easier to fall behind on payments.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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