New Visa® Platinum Credit Card $200 cashback offer.

Earn $200 cash back by spending $2K in the first 2 months of opening your new Visa® Platinum Credit Card.1

Take advantage of the great benefits included with all Advia Visa® Platinum Credit Cards.

  • Competitive rates
  • No annual fees
  • Free fraud monitoring
  • Online purchase protection
  • Mobile and email alerts
  • Simple and secure Card Management

Limited-time Advantage Points Card: As low as 0% promo APR balance transfers for 12 months.2

Advantage Points

Earn 3% back at restaurants, 2% back on gas and 1% back on everything else.3

Annual fee: $0
Variable APR as low as4
Terms & Conditions

Fixed Rate

Minimize monthly payments with our lowest-rate card.

Annual fee: $0
Fixed APR as low as4
Terms & Conditions

Looking for a Business Credit Card?

Advia's Business Visa Credit Card offers rewards without any annual fees, making it a smart choice for business expenses.

Learn More

Visa® Platinum Credit Card FAQs

You may opt-out by texting STOP in response to a received alert.

You may opt-out of these alerts by texting STOP in response to a received alert. Opt back in at any time by calling Advia.

  1. $200 statement credit not valid on Business Visa, card reissues, or multiple cardholders. Must meet all qualifications in initial two (2) statement cycles following date of card issuance to receive credit of $200: 1) a minimum of 20 purchases and 2) aggregate purchases of at least $2,000; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Credit will be applied to member’s card account within 45 days of meeting stated qualifications.
  2. Promotional Annual Percentage Rate on balance transfers for the Advantage Points Credit Card made during the first 12 billing cycles after date of transfer during promotional period January 15 – March 31, 2024. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Following the promotional balance transfer period of 12 months, the Credit Card cash variable APR of 15.25%-18.00% will apply beginning the first day of new billing cycle. Failure to make the minimum periodic payment within 60 days from the due date during any card promotion, the non-promotional APR in effect on that account will be applied to the remaining promotional balance. If account is delinquent or over-limit at time of transfer, the promotional rate will not apply. Loans held with Advia are ineligible for this promotion. Must be 18 or older. Offer and rates subject to change at any time.
  3. Earn rewards when you use your card to make purchases; minus returns, credits, and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn rewards: balance transfers and cash advances (each as defined in your Credit Card Agreement), fees, interest charges, and fraudulent transactions. Up to 3% back on aggregate purchases up to $1,500 monthly in select categories made on/between October 1, 2022 - December 31, 2023. 3% back on qualifying dining and restaurant delivery transactions; must have required merchant code signifying the transaction for purchases for dining transactions (merchant codes 5812 and 5814). Purchases that exceed $1,500 monthly in promotional categories will earn the standard 1% back. A maximum of 10,000 points per month may be earned. 2% back on qualifying gas and grocery transactions; must have required merchant code signifying the transaction for purchases for gas and grocery transactions (merchant codes for gas: 5541 and 5542; merchant codes for grocery: 5411 and 5300). 1% back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle for accounts in good standing. Transactions with other establishments do not apply and we do not control how merchants are categorized. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for bonus rewards offers. The minimum cash reward redemption in a single transaction is $50.00 and the maximum is $800.00. Rewards expire three (3) years from the time they are earned. Allow up to two (2) billing cycles for bonus rewards to post to account.
  4. Fixed Card Annual Percentages Rate: RatePlaceholder - RatePlaceholder. Advantage Points Card APR: RatePlaceholder - RatePlaceholder. Penalties apply for late and missed payments. Variable Rate Information: On variable rate programs, your APR may vary quarterly. The index is the highest Prime Rate charged by banks as published in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to: as low as Prime index+ 7.00%. An increase in the index will result in an increase to your APR.

Must be 18 or older to apply. All offers and rates are subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.