*Advantage Points Card Annual Percentage Rates range from 14.74% to 22.74%. Variable Rate Card Annual Percentage Rates range from 12.74% to 20.74%. 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 the variable margin + prime. An increase in the index will result in an increase to your APR.
**Visa® Platinum Advantage Points Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Platinum Advantage Points Credit Card for the first 6 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 6 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 rate has a range of 14.74% to 22.74% APR, based on your creditworthiness. 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 rate has a range of 12.74% to 20.74% 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.
Must be 18 or older. Rates as of 10/1/2025. 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.