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Better cards, greater value, your choice

No matter who you are or how you spend, there’s an Advantis credit card for everyone. And every one of our cards offer the same great value and generous benefits you’ve come to expect. So go ahead, it’s time to give yourself some credit.

Signature Cashback Rewards

Goodbye miles, points, or gifts. Hello, cold hard cash!

Earn 1.5% unlimited cash back with every purchase
Rates start at 14.74% APR*
Credit limit up to $30,000
Rewards card FAQ

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CASHBACK DETAILS

Visa Platinum

Our simple, straightforward card ideal for paying off higher-rate debt.

Rates start at 12.74% APR*
No balance transfer fees
Credit limit up to $30,000

APPLY NOW

With every Advantis Visa credit card, you enjoy:

	No annual fee
	Mobile wallet for Apple Pay^®, Samsung Pay^®, or Google Pay™

	No balance transfer fee
	Manage your card 24/7 with Advantis Online & Mobile Banking

	Contactless convenience – just tap and pay at participating retailers
	24-hour phone support, free fraud protection, and account alerts

Looking for something else?

Advantis offers a range of credit card options to match your unique needs.

Business Cashback Rewards

Give your small business the rewards it deserves. Earn 2% unlimited cash back with every purchase.

Start credit card

Ideal for teens, young adults, and those who’ve never had a card. Establish credit and build a credit score.

Secured credit card

A smart, simple, secured card for members who need to strengthen or rebuild their credit.

Compare our cards

Advantis has a credit card to fit the way you live, budget, and spend. See how they stack up side by side, and choose the one that meets your needs.

	Signature Cashback Rewards	Platinum	Start	Secured	Business Cashback Rewards
Ideal for	Earning rewards on everyday purchases Overdraft protection**	Consolidating & paying down higher interest debt Overdraft protection**	Establishing credit Overdraft protection**	Rebuilding credit Card limit determined by secured deposit	Small businesses Frequent and everyday purchases Overdraft protection**
Credit Limit	$250 - $30,000	$250 - $30,000	$250 - $2,500	$250 - $30,000	$250 - $30,000
Rewards	Unlimited 1.5% cash back	N/A	N/A	N/A	Unlimited 2% cash back
Annual Percentage Rate*	14.74% - 23.74%	12.74% - 21.74%	12.74% - 21.74%	19.74%	15.74% - 23.99%

*APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 7.75%) plus a margin. APR is accurate as of 08/1/2023. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details. **You may elect to use your Visa account as a source for overdraft protection for Advantis checking accounts (excluding HSA checking accounts). If you choose to use your Visa account for overdraft protection, funds will be advanced against your Visa credit line and deposited into your designated checking account in $100 increments. Overdraft transfers are considered cash advances and will accrue interest from the date of the advance. No transfer will occur if it will result in you exceeding your credit limit.

Credit card rates

We offer competitive rates across all our credit cards.

Card	Annual Percentage Rate¹	Type
Signature Cashback Rewards	14.74% – 23.74%	Variable
Business Cashback Rewards	15.74% - 23.99%	Variable
Platinum	12.74% - 21.74%	Variable
Start	12.74% – 21.74%	Variable
Secured	19.74%	Variable

¹APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 7.75%) plus a margin. APR is accurate as of October 22, 2024. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Credit limits between $250-$30,000. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details. Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

**For purposes of the Cashback Checking Account: To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cashback Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. The account cycle runs from the first day of the month to the last day of the month. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. You will not receive any cash back for any purchases posted during the same month you close your Cashback Checking account. Minimum opening deposit is $25.00.

Be credit wise

We’re never too old to learn, especially when it comes to credit. Visit the Advantis Financial Education Center for resources and tools designed to help boost your financial literacy around credit cards.

See how credit cards work and how to manage one responsibly.
Understand the importance of establishing and maintaining strong credit.

Frequently asked questions

For more information on our Rewards cards, visit our Cashback Rewards FAQ page.

How do I activate my card?
If you recently received a new Advantis Visa card, you can securely activate it by calling 1-888-691-8661.

How can I redeem my earnings balance from my Cashback Rewards card?
Visit advantiscu.org/rewards to redeem your earnings balance in cash. NOTE: If this is your first time using the site, click “Enroll,” and enter your 16 digit card number in the “Account Number” field of the registration form. You will also be asked to setup a new security code for the Rewards site; do not use your card PIN or other previous codes. If you have a Business Cashback card, please contact us for assistance with enrollment.

What if my credit card is lost or stolen?
Notify us immediately.

Call 503-785-2528 or 800-547-5532, 8am - 6pm.
Only the card reported lost/stolen will be blocked.
Contact local law enforcement and report your loss. Record your report case number, and the name of person taking the report. We may ask you for this information.

What if I think someone has stolen my identity?
Visit our identity theft page for more information. If you have further questions or would like to speak to a Member Service Representative, please call us at 503-785-2528 or email us.

How can I view my credit card balance info, transaction history, or set other controls?
Log in to Advantis Online & Mobile Banking to manage your account activity and card controls.

How can I make a credit card payment?
The fastest way to make a credit card payment is through Online & Mobile Banking. Your payment posts to the credit card and increases the amount available to spend immediately.

Please note it may take up to two business days to reflect the payment in your online banking account history. Other convenient payment options are also available.

How long will it take for my new Advantis credit card to arrive?
You'll receive your card in the mail within 14 days after you're approved.