Visa® Platinum Variable Rate Credit Card
Ready to lower your credit card interest rate? Our Visa® Platinum Variable Rate Credit Card is designed to help you keep more of your money with rates well below the national average, no annual fee, and a 0% intro APR on balance transfers for 12 months.1
Not a member? Join today to unlock all the financial advantages of banking with Advia.
What is a Visa® Platinum Variable Rate Credit Card?
It's a credit union low interest credit card built to help you save. With a variable interest rate as low as 12.24% APR,2 it's one of the best low interest credit cards you'll find, especially compared to the 19.80% national average.3
- Enjoy a 0% intro APR on purchases and balance transfers for your first 12 months1
- Access standard rates as low as 12.24% APR2
- Earn points for everyday purchases with Advantage Plus Rewards
- Manage your card with Card Management tools and security features
Why get a Visa® Platinum Variable Rate Credit Card?
Choosing a Visa® Platinum Credit Card with a low rate can help you reduce what you pay in interest and manage your balances with confidence. Here's why members choose this card:
- Save money with an interest rate well below the national average
- Consolidate balances from multiple cards into one easy payment
- Use a low rate card for everyday purchases
- Enjoy real credit union credit card benefits like no annual fee
Looking to lower your credit card interest rate? The numbers speak for themselves. Members enjoy rates that are well below the national average.
See how our credit union low interest credit card stacks up against what most banks charge.
Advia
credit cards as low as
12.24%
APR2
National Average
credit card interest rate
19.80%
APR3
How to apply for a Visa® Platinum Variable Rate Credit Card
Getting started with your new credit union credit card is simple:
Apply online or visit a branch
Submit your financial and application details
Receive approval and access your credit line
Start using your variable rate credit card or transfer balances to begin saving
Thinking about a balance transfer?
Move your high-rate balances to your Variable Rate Credit Card and enjoy 0% intro APR for 12 months.¹ Use our balance transfer calculator to estimate how much you could save.
Ready to lower your credit card interest rate?
Apply for the Visa® Platinum Variable Rate Credit Card. Take the first step toward reducing interest costs and simplifying your finances.
Card management tools for your Variable Rate Credit Card
Your card comes with more than a low rate. Manage your card, set alerts, make payments, and access your account from anywhere.
Card Security
Keep your card safe with real-time text and email alerts, fraud monitoring, and online purchase protection.
Card Management
Control your cards in Digital Banking with on/off toggles, spending limits, and travel notifications
CardSwap
Update your Advia card on file with over 50 online services in just a few clicks.
Mobile Wallet
Add your Advia cards to your mobile wallet for secure, tap-to-pay access anywhere you go
Still have questions about a Visa® Platinum Variable Rate Credit Card?
We're here to help. Chat with Ava, schedule an appointment, give us a call, or stop by a branch.
- Visa® Platinum Variable Rate Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Variable Rate Credit Card for the first 12 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 12 billing cycles from date of first balance transfer. The non-promotional APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional variable APR has a range of 12.24% to 20.24% APR, based on your creditworthiness. 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. Late payments or other account violations may result in the loss of the intro APR. If account is delinquent or over-limit at time of transfer, the intro rate will not apply. Promotional offer does not extend to Business Visa Platinum Credit Card. Loans held with Advia are ineligible for this promotion.
- Advia Visa Platinum Variable Rate Credit Card non-promotional rate has a range of 12.24% to 20.24% APR. Annual Percentage Rate is based on creditworthiness of borrower. The APR is subject to change quarterly based on the Prime Rate on the first day of each calendar quarter (January, April, July, and October), to which we add a margin. An increase in the index will result in an increase in your APR.
- Source: The weekly national average credit card interest rate as of 12/10/2025, is 19.80% APR according to Bankrate: https://www.bankrate.com/credit-cards/advice/current-interest-rates/.
Must be 18 or older. Rates as of 01/02/2026. Offer and rates are subject to change at any time. APR = Annual Percentage Rate. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to approval.