Super Cash Advance Review: Convenient Add-on to Cashback Features

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Nick Gallo, CPA

The Super app and its Super Plus program are soaring in popularity, thanks to attractive offers like a $20 rebate just for signing up for a regular subscription, 30 cents a gallon cash back on your next fill-up, and access to fast cash advances for up to $200.

If you become a heavy user, the Super Plus program can be a great way to save and earn more money. While Super’s cash advances can be a convenient extra feature, you’ll want to watch out for higher fees -and if you’re not taking full advantage of Super Plus, you may wind up spending much more than need for access to occasional extra cash. Our Super cash advance review will help you determine whether it’s the right cash advance app for you based on how it works, how much it costs, and what other users have to say.

Looking for cash advances, cash back offers and more? >>> Check out

Woman holding out her phone, with the app displayed on the screen

What is the app?

Super is designed to be a ‘super app’ where you can manage many parts of your life in a single app, including travel, shopping, and your finances. The app is designed to help consumers save and earn money. If you pay for a Super+ membership, you can also borrow funds and build credit with the app. Here’s an overview of Super’s most significant features:

Cash Advance: Super+ members can request cash advances worth up to $200 with no additional fees, interest, or credit check. However, you’ll have to pay an express fee if you want your funds instantly, and you may be asked to provide a tip.

Super Pay: Super+ members can apply for the Super Card. It’s a secured credit card that uses the funds in an external debit card as collateral. There’s no credit check to apply, no interest on balances, and unlimited cash back on certain purchases. In addition, Super reports it to the three major credit bureaus. It also comes with a Super Deposit Account, an FDIC-insured checking account through MRV Banks.

Super Travel: Whether or not you’re a Super+ member, you can buy steeply discounted hotel stays through the platform. However, you’ll earn an additional 10% cashback on your bookings if you pay for a membership.

Super Shop: Members and non-members can also access the Super Shop, where you can find discounted prices on gas, phone plans, and insurance policies. You can also access games and surveys that offer cash rewards.

Earn, borrow and get cash back >>> Check out

Woman's hand holdng a phone that displays a promo for Super cash advances

How Do Super Cash Advances Work?

To get a Super cash advance, visit the website or download the mobile app from the App Store or Google Play. From there, you can register for an account, which only requires that you share and verify your phone number.

Next, you’ll need to purchase a Super+ membership, which is another straightforward process. Just provide your:

  • Full legal name
  • Email address
  • Credit card payment details

Once you do that, link an external bank account where you collect income to your profile. Super will analyze your deposits and spending habits to assign you a credit limit of up to $200.

Super may reject your application if you don’t meet their undisclosed underwriting guidelines, but you can reapply later. You can use the same bank account or connect a new one to improve your chances.

Once you’re approved, you’ll be eligible to request cash advances up to your assigned limit. The limit may increase as you establish a positive payment history with Super through the advance service or Super Card.

You never have to borrow the entire amount you’re offered, but you can only have one advance outstanding at a time. As a result, borrowing less than your credit limit means you won’t be able to access the rest until you pay off the original advance.

Once you initiate a request, the funds should hit your Super Deposit Account within three business days. However, you can pay an express fee to receive them instantly. Either way, you’ll only be able to spend the funds with your Super Card.

Generally, cash advances are due three to eight days after you receive them. Super assigns the deadline automatically based on its underwriting criteria and doesn’t allow you to request an extension. However, there are no late fees if you miss the payment.

Though you can opt out, Super defaults to collecting your cash advance payment automatically. It will try to pull the funds from your Super Deposit Account first, your linked debit card second, and your linked bank account third.

How Much Does a Super Cash Advance Cost?

chart showing cost of borrowing $100 from 15 instant loan apps

We’ve calculated the cost of borrowing from the 17 most popular borrowing apps, and Super cash advances ranked as the most expensive. It can cost you more than $30 to briefly borrow $100 and over $50 for $200!

First, you’ll need to be a Super+ membership subscriber to access the service, which costs $15 monthly. There are no other mandatory fees for individual advances, but Super does ask for tips.

In addition, Super charges an express fee if you want to access your advance instantly. Otherwise, they take up to three business days to process. The size of the charge depends on your advance amount. Here’s how it works:

Cash Advance AmountExpress Fee
$0.01 to $50.00$3.99
$50.01 to $100.00$4.99
$100.01 to $150.00$5.99
$150.01 to $200.00$6.99

Assuming you want your funds immediately and leave a 15% tip, it would cost you $34.99 to borrow $100 with a Super cash advance. That includes the $15 monthly fee, the $15 tip, and a $4.99 express fee.

Super cash advances are amongst the most expensive of all borrowing apps. The current average is around $19.08 among the most competitive apps, which is nearly $16 lower.

As a result, you’re probably better off using one of the cheaper alternatives if you’re primarily after a cash advance. For example, you can borrow $100 for as little as $4 in fees with the Dave app. The only reason to consider Super is if you’re also interested in its other features, like building credit with the Super Card.

Even then, it probably isn’t worth the price. A $15 monthly membership fee is the equivalent of a $180 annual fee. You’re unlikely to earn that much in cashback rewards, and much cheaper secured cards are available.

Still want to give it a go? >>> Check out

Woman's hand holding a phone that displays hotel bookings on app

Is Super Legit?

Previously named SnapTravel, Super is definitely a legitimate business. It’s expanded quickly since its founding in 2016, largely due to significant contributions from investors. Most recently, it raised $85 million in its Series C round of funding, led by Inovia Capital.

Other investors include the President of Shopify, the CEO of, and the best three-point shooter in the history of the NBA, Steph Curry. As a result, the company is ranked 11th on the Financial Times list of America’s fastest-growing companies in 2023.

Super also receives pretty positive reviews from its customers. Here are its ratings on some of the most popular customer review sites:

  • App Store: 4.6 out of 5 (7.2K Ratings)
  • Google Play: 4.0 out of 5 (6.13K Ratings)
  • Trustpilot: 3.8 out of 5 (29.35K Ratings)
  • Better Business Bureau: 4.33 out of 5 (3.29K Ratings)

Notably, many of Super’s reviews are for its Super Travel program, the discounted hotel booking service. As a result, it’s tough to glean too much insight into the average customer’s experience with the cash advance feature.

However, we can still conclude from the reviews for its other services that there are some issues with Super’s customer service. Many users struggle to get a representative on the phone, and even those who do tend to find them unhelpful.

That said, a handful of reviews have been left specifically for the Super advance. Unfortunately, they’re mostly negative. On top of complaining about the high costs, many customers disliked that the funds were only accessible through the Super Card.

In addition, a few customers paid the Super+ fee for the cash advance only to discover that they couldn’t use the advance feature due to banking issues.

Earn, borrow and get cash back >>> Check out

Quick Pick:  Instant Cash Advances and a Side of Sass

Why is Cleo one of our favorite cash advance apps?

  • Super speed - Get up to $250 in your bank account today!2
  • No, No, No! - No credit check, no interest, no tips, no late fees
  • 😂 😂 🤣 - Hilarious, smart money advice you might finally listen to

Watch: Super Cash Advance Review

WAIT! Why borrow quick cash when you can earn it?!

Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?

KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.

There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.

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Nick Gallo, CPA
  1. As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
  2. Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Same day transfers subject to express fees.

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