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Visa® Platinum Credit Cards

Make purchases, be rewarded, get cash worldwide, and earn $200 back.1 See Reviews | Write a Review
Earn $200 when you use your new card within 60 days of issue1 Balance transfers as low as 0% promo APR for 18 months2 No annual fee – ever Auto rental collision insurance Free fraud monitoring Zero liability protection Online purchase protection with Visa® Secure Roadside Dispatch®
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Card Options
Balance Transfers
Card Features

More ways to earn. Get $200 back.1

Use your new card for 20 purchases totaling at least $2,000 within your first two months.

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.
Get 3%

3% back on dining and delivery3

Restaurant purchases include: fast food, carryout, & dine-in. Includes delivery from Grubhub, DoorDash, UberEats, & more.

3 points for every dollar spent.

Get 2%

2% back on gas
and grocery3

Gas station purchases, grocery stores, and grocery delivery services like Shipt & Instacart.2 points for every dollar spent.

Get 1%

1% back on all other purchases3

All other purchases; earn rewards every time you use your card.1 point for every dollar spent.

Apply Today
Advantage Points Rewards
See All Card Options

Choose the Visa® Card that works for you.

Visa® Platinum
with Advantage Points

Make Purchases, Get Rewards
3% back on dining & delivery3
2% back on gas & grocery3
1% back on all other purchases3
Purchase Rate As low as 10.25% APR4
Balance Transfer Rate As low as 0% promo APR2
Apply Now

Visa® Platinum
Variable Rate


Rewards
None
Purchase Rate As low as 8.25% APR4
Balance Transfer Rate As low as 0% promo APR2
Apply Now

Visa® Platinum
Non-Variable (Fixed Rate)


Rewards
None
Purchase Rate As low as 8.90% APR4
Balance Transfer Rate As low as 0% promo APR2
Apply Now

Learn about the Visa® rewards members love.

Redeem your points on:
Apply Today

Save big on balance transfers for 18 months.2

With $0 annual fees and balance transfers as low as 0% promo APR for 18 months, now is the time to bring over your high-interest credit cards, store cards, and personal loans to Advia.2 Members save an average of $3,000 when they transfer outside debt.5 Just pick the card that fits your lifestyle and start saving.

Easy Ways to Transfer Your Loans:
Transfer your loans right in Digital Banking: open your Visa Account, click Account Services from the menu icon, then select Balance Transfer. You can also stop into any branch or give us a call at 844.238.4228, ext. 2320.

Apply Today
All Refinance Options
Digital Banking
Get easy on-the-go account access with our Digital Banking App.

We have the features you want.

Your Advia Visa® Platinum Credit Card comes packed full of features, like 24/7 Account Access, CardSwap, and Mobile Wallet Solutions, to ensure managing your Credit Card is as simple as using it.
Access Visa Account

Access Visa Account

Manage your Visa Cards all in one place. Transfer existing cards, view account activity, pay bills, and more.

Access Account
CardSwap

CardSwap

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

Learn More
Mobile Wallet

Mobile Wallet

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

Learn More
We're keeping your account even safer with NEW Fraud Text Alerts.

Visa® alerts now at your fingertips.

Advia has partnered with Visa® to provide you an easy online tool that allows you to get immediately notified when your Credit Card or Debit Card has been used for a purchase.

You set the guidelines of how and why you’ll get alerted. Plus, you can choose to be notified by text message or email. We suggest setting up all the following:

Purchases over a specified dollar amount Purchases made outside the U.S. Online & phone purchases (without your card being present)

Grab your card to enroll right now. It’s easy to get started.

Enroll Today
Prevent Card Fraud

Online Payment Protection.

Visa is constantly working to protect your payment information. Visa’s global fraud rate is less than six cents for every $100 transacted. Here are some ways Visa protects you from fraud when you shop online:

Device ID

When shopping online or using a mobile device, information about your device can help refine frauddetection analytics, making online purchaseseven safer.

Tokenization

Tokenization replaces your card information with a digital account number or “token" which doesn't carry specific card details; they can be used online or mobile devices to keep your payments secure.

Predictive Fraud Analytics

Visa's payments network uses advanced fraud monitoring systems to prevent fraud. Visa analyzes every transaction it processes and provides intelligence to identify fraud and stop it in its tracks.

Point-to-point Encryption

Encryption protects your data as it travels through payment systems by locking sensitive account info as it's being processed. The data can’t be read and reused if it is stolen or compromised.

Prevent Card Fraud

Visa® Credit Card FAQs.

Frequently Asked Questions about Visa Advantage Points Rewards.
Is there a limit on rewards?
Yes, in each 2% and 3% back categories, rewards can be earned on aggregate purchases up to $1,500 made 10/1/19 – 3/31/2021. After that, the standard 1% will be earned on purchases up to $10,000 monthly.
Can I earn rewards for dining even if I don't dine in?
Yes, restaurants - including fast food and carryout - qualify for rewards. This also includes restaurant delivery services.
Are grocery rewards replacing the rewards I previously earned?
No. You will still earn 2% back on gas purchases in addition to grocery (and grocery delivery) purchases.
Do meal box subscriptions qualify for grocery rewards?
Not at this time, however, you will still earn 1% back on these purchases.
How can I maximize how much I earn?
Use your card for in-person purchases, but don't forget about online, Mobile Wallet, online subscription, and Tap to Pay purchases. You can also use CardSwap to quickly update your card information on more than 50 popular online services.
Can I earn rewards on cash advances or balance transfers?
No, cash advances and balance transfers do not earn rewards.

Get the most out of your Advia Visa® Credit Card.

Maximize your cardholder experience and take advantage of these additional products and services.

Explore more great financial advantages.

No matter what your financial goals and needs may be, we have a solution that will work perfectly for you.

Advia member Visa® Credit Card reviews.

Astro's Mom
Kalamazoo Mi
Review 1
Vote 1
Length of Use: Over 5 years

Love the easy access to my Visa online
I really enjoy being able to review my recent visa card transactions within Advia's digital banking.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

Great CU. Great card.
Plainwell, MI
Review 1
Vote 1
Length of Use: 6 months to 2 years

Great product and service!
Advia’s staff are always polite, knowledgeable and professional. I received a call just checking to see if I was satisfied with Advia, and ended up with a credit card with a great fixed rate.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

Gary
Fort Gratiot, MI
Review 1
Vote 0
Length of Use: 6 months to 2 years

Needed a low interest credit card
The representative set me up with a new card of my preference. Can't ask for anything better. Happy Customer.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

JBAlden
Williams Bay, WI
Review 1
Vote 1
Length of Use: 2 years to 5 years

Service and products are great.
Getting a credit card from Advia was a pleasant experience. You get to walk out of the bank with your new card the same day and use it right away. No problems with transactions and the bill came as i expected. I like the fact that I can see my balance on the banks internet banking site. Very helpful. Everyone has been very friendly as well.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

Jennie75
Review 1
Vote 1
Length of Use: Over 5 years

Great Customer Service
I’m in the process of rebuilding credit. Advia did a great job helping me choose the right card for me. The application process was quick and easy.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

annap72
Kalamazoo, MI
Review 1
Vote 1
Length of Use: Over 5 years

Easy to Apply
I decided to get this card for the low interest rates, the process was explained to me thoroughly before i made my decision. i was made aware of all the options. Easy to apply and friendly customer service.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? No

Goblu3
Port Huron, MI
Review 1
Vote 1
Length of Use: Less than 6 months

Great company excellent service
Kaitlin Hughes was great. Answered all our questions and got us the best deal possible. I highly recommend this company and Kaitlin in particular.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

nr64
Avoca, MI
Review 1
Vote 0
Length of Use: Over 5 years

Easy to do business
This was an easy credit card transfer and the terms were great.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

Car refi
Port Huron, MI
Review 2
Vote 0
Length of Use: 2 years to 5 years

Amazing customer service
Rachel P. handled everything efficiently and smoothly with great customer service.

Would you recommend this product to a friend? Yes
Have you recommended Advia Credit Union to friends or family in the past? Yes

RichG
MI
Review 1
Vote 2
Length of Use: 2 years to 5 years

Just received a bit ago, but happy with offer and rates
I received a pre-approved offer from Advia. I was unable to accept online because the form would not load properly, so I requested an online chat with an advisor. I told her about the form problem and she said to just apply. I did that, but during the approval process, I was told that wasn’t necessary and she noted I was sent a pre-approved offer. Once I got through all of this, everything was smooth. I’m happy to have a credit card with great rates.

Have you recommended Advia Credit Union to friends or family in the past? Yes

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. Offer valid between 10/1/19 and 9/30/21 and subject to change at any time. 2 Promotional Annual Percentage Rate on balance transfers made during the first 18 billing cycles after date of transfer during promotional period 2/1/20 - 3/31/21. 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 18 months, the Fixed Card APR of 8.90%-16.90%, Variable Card APR of 8.90%-16.25%, or Advantage Points Variable Card APR of 10.25%-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. 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 in select categories made on/between 10/1/19 - 3/31/2021. 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). 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). Purchases that exceed $1,500 in each category will earn the standard 1% back. 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. Restrictions may apply. 4 Fixed Card APR: 8.90% to 16.90%. Variable Cards APR: 8.25% to 18.00%. Penalties apply for late/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 1/1, 4/1, 7/1 and 10/1. 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. Rates vary based on creditworthiness of borrower(s) at time of application. Must be 18 or older to apply; subject to credit approval. 5 Estimated savings based on 2020 member savings. All offers and rates effective March 6, 2021 and 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. Advia is an Equal Opportunity Lender.