Visa® Platinum
Variable Rate Credit Card

Whether you're looking to consolidate debt or make everyday purchases, take control of your finances with a low-rate credit card designed for convenience and peace of mind. Plus, get as low as 0% intro APR on purchases & balance transfers.1

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No purchase necessary. Ends 6/30/2025. See Official Rules for free entry method.

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Visa® Card features you'll use:

Visa® Card benefits you'll love:

Enjoy an APR below the national average with your Advia Credit Card.

National Average
credit card interest rate
20.12%
APR3

Advia
credit cards as low as
12.99%
APR2

Easily manage your Advia Visa® Platinum Variable Rate Credit Card.

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Card Security

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

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Card Management

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

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CardSwap

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

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Mobile Wallet

Upload your cards to your mobile wallet app to have secure access anywhere.

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Do you already have a Visa® Platinum Variable Rate Credit Card?

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Estimate your savings by transferring balances to your Advia Visa® Platinum Variable Rate Credit Card.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

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Still have questions about a Visa® Platinum Variable Rate Credit Card?

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  1. 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, as low as 12.99%, will apply beginning the first day of the new billing cycle after the 12-month intro period. 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.
  2. Advia Visa Platinum Variable Rate Credit Card as low as 12.99% 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.
  3. Source: The weekly national average credit card interest rate as of May 14, 2025, is 20.12% APR according to Bankrate: https://www.bankrate.com/credit-cards/advice/current-interest-rates/.

Must be 18 or older. Rates as of 6/2/2025. Offer 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 approval.