Visa® Platinum Advantage Points Credit Card

Every day is more rewarding.

  • Earn up to 3% back1
  • Get $200 back when you use your card2
  • $0 annual fee
  • Free fraud monitoring
  • Online Purchase Protection with Visa® Secure
  • Mobile and email alerts
  • Simple and secure Card Management

Advantage Plus Points
Features & Benefits
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Get our new card $200 cashback offer.

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

Earning Advantage Points is as easy as 3, 2, 1.

With the Visa® with Advantage Points Credit Card, it's easy to earn points on all your purchases. Points can be redeemed for cash or a variety of rewards.1

3% back on dining & delivery

3 points for every dollar spent.

Fast food, carryout, & dine-in plus delivery from Grubhub, DoorDash, UberEats, & more.1

2% back on gas & grocery

2 points for every dollar spent.

Gas stations & grocery stores plus grocery delivery services like Shipt, Instacart, & more.1

1% back on all other purchases

1 point for every dollar spent

All other purchases; earn rewards every time you use your card.1

$3K Home Improvement Giveaway

Spring into home improvements. Enter for your chance to win $3,000 when you use your Advia Visa® Credit or Debit Card for home improvements or outdoor projects through 6/30/24. No purchase or card use necessary to enter or win.

Ends June 30, 2024. Void outside of IL, MI, & WI. See Official Rules for complete details, retailer restrictions, and how to enter without making a purchase. Equal Opportunity Lender.

Features and benefits included with every Advia Visa® Platinum Credit Cards.

Card Security

Discover the ways we're keeping your account safe with text message security.

Card Management

Securely manage all your cards in Digital Banking. Get instant alerts, custom controls, and more.

CardSwap

Quickly update your Advia Card information for over 50 online shopping and streaming services.

Mobile Wallet

Upload your Card onto your mobile wallet app to have secure access anywhere you go.

Easy to use resources and tools to manage your account.

No, cash advances and balance transfers do not earn rewards.

  1. 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, 2024. 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.
  2. $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.

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.