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The cash advance fee can be charged as a percentage of the cash advance or a flat rate. For example, your credit card issuer may charge a fee of 5% of the advance or $10, whichever is greater. You'll always pay a finance charge on a cash advance even if you pay it in full when your billing statement comes.

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TRANSACTION FEES-FINANCE CHARGES. Balance Transfer Fee. There is no balance transfer fee. Cash Advance Fee. 3% of total cash advance. OTHER CHARGES. Minimum Cardholder Agreement means the Scotiabank Cardholder can increase or reduce your credit limit and cash advance limit at anytime upon