Barclaycard possibly charging cash advance fees on Amex gift card purchases

amex gift cards cash advance

We just received word from a reader who was charged a cash advance fee when purchasing American Express gift cards with his Barclay’s US Airways Mastercard.

The reader who has been a reliable source in the past, was charged a $105.15 cash advance fee on a $2102.95 purchase of Amex gift cards. The purchase and fee have posted within the past couple of days.

At this time we have only received the one data point, but I urge everyone to use caution. One commenter on today’s Quick Deal mentioned that this may be associated with a glitch that has possibly been resolved. It is still too early to tell what this means.

In the mean time I have updated The complete guide to Amex gift cards to reflect this information. Please share your experiences in the comments.

Last updated on December 20th, 2018

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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[…] Frequent Miler now reports that purchases made with the Barclaycard US Airways card may code as a cash advance.  […]

John
Guest
John

Had USAir Barclay’s card charge cash advance for contributing to a new credit union savings account (which I thought was safe given report on people using Barclay’s World Arrival + to open citibank account up to $75k).

Not sure if this is a helpful data point.

Rick
Guest
Rick

Clean on my account so far….

Nikc
Guest
Nikc

With the 2.25% CB today and 1.5 miles/purchase on US Air cards, we’ll be getting plenty of data on this soon enough. I personally bought $4k on my card today. Any way to tell how it was charged until it actually posts? I can see it under pending authorizations, and my revolving credit has been reduced by the same amount.

Shawn Coomer - Senior Editor
Member
Shawn Coomer - Senior Editor

In our reader’s case the cash advance fee posted the day after the charge.

Ken
Guest
Ken

Hopefully this was just a glitch as mentioned, because I ordered 2k on my A+ card today.

Jonathan
Guest
Jonathan

Do you know how long Amex Gift Card typical approve or reject an order? I purchase $10K at 9:00 EST time but I haven’t got any approved or reject email. I call amex customer serrvice and was told to wait for 24 hours.

Ken
Guest
Ken

@Jonathan – Normally it’s really fast, but today my order hasn’t been approved or denied yet either. I did get the order received email though.

Trevor
Guest
Trevor

Typically for me, if I use an Amex-issued card, the approval is very quick (max 1 hour, typical 15 minutes). If I use a non-Amex issued card, then it’s taken anywhere from 2 hours to 24 hours.

Mike
Guest
Mike

This same person asked the same question on the FlyerTalk AGC thread. He was charged a CA fee because he made the purchase on March 2nd and Amex was having issues that day so orders were being charged as a cash advance to all non-Amex CCs, not just Barclays. They were back to normal purchases the next day.

PhatMiles
Guest
PhatMiles

Not really true. I reported to frequent miler via email. I haven’t posted on flyer talk yet but I will do soon. My handle on ft is ramkashyap. Could be a different user in this situation.

Mike
Guest
Mike

Maybe so, but someone posted on FT mentioning that same amounts. Either way it was an issue Amex was having on Monday. It was resolved the next day.

Phatmiles
Guest
Phatmiles

If it helps, I spoke got the bank and they credited the amount. I am going to hold off using that card for the time being. I will give a shot next week for a small amount and report how it goes.

mike
Guest
mike

Ordered Amex cards today. Ordered $3K more than the cash advance limits on my card. That leads me to believe transaction not treated as cash advance.

mike
Guest
mike

Ordered Amex cards today. Ordered $3K more than the cash advance limits on my card. That leads me to believe transaction not treated as cash advance.

mike
Guest
mike

Ordered Amex cards today. Ordered $3K more than the cash advance limits on my card. That leads me to believe transaction not treated as cash advance.

Jung
Guest
Jung

my order was posted today from the 3rd , did not charge. i have arrival plus.

Coopeee
Guest
Coopeee

Barclay just told me that they would not be able to make a change that would allow them to charge a cash advance fee. They also said that that coding would have had to come from Amex gift cards.
I had just purchased an amount that was greater than my cash advance limit. I think it would have been rejected if they were going to charge a fee.
Interestingly, I was approved by American Express within minutes on this purchase. Previously, I have had to wait hours to be approved and also get declined about 25% of the time. Same card, same address. Funny shit!

Gaurav
Guest
Gaurav

Purchased $2k on 3/5, posted without any cash fees so far on US Air.

Rick
Guest
Rick

I now have two separate cash advance fee’s from two orders of AMEX GC’s ordered on March 5th. I am going to call and see if they can be reversed.

Rick
Guest
Rick

Update: Had to call AMEX GC (terrible customer service) and file a complaint. Then I had Barclay additionally call them to file a complaint as well. Barclays said they would take care of it with them. Barclays reported that AMEX coded the transactions as Cash Advance instead of Financial Institution which triggered the fee. This was a one or two day mistake AMEX is not owning up to.

Roger
Guest
Roger

I was charged a CA fee on a personalized AGC purchase made on March 7th.

Alvin
Guest
Alvin

Barclay Arival + also charged cash advance fee for purchase in Giftcardmall via Ebay. I bet if I purchase directly in GiftCardMall website, I would be charged fee as well.