Advia Credit Union Visa Platinum Fixed Rate Credit Card Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Purchase APR (Variable APR)	8.90% - 16.90%
Balance Transfer APR (Variable APR)	8.90% - 16.90%
Credit Score Range	650 - 850
Annual Fee	$0

Advia Credit Union Visa Platinum Fixed Rate Credit Card Review

Advia Credit Union Visa Platinum Fixed Rate Credit Card is a credit card issued by Advia Credit Union. If you're wondering whether Advia Credit Union Visa Platinum Fixed Rate Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

Competitive APRs. Advia Credit Union Visa Platinum Fixed Rate Credit Card has a variable purchase APR that ranges from 8.90% up to 16.90%.
No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Advia Credit Union Visa Platinum Fixed Rate Credit Card Pros & Cons

The Good	The Bad
Lower than average purchase APRs. No annual fee. Advia Credit Union Visa Platinum Fixed Rate Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Advia Credit Union Visa Platinum Fixed Rate Credit Card FAQ

Is there a Advia Credit Union Visa Platinum Fixed Rate Credit Card cash back or rewards program?

No, Advia Credit Union Visa Platinum Fixed Rate Credit Card does not offer a rewards program.

What are the Advia Credit Union Visa Platinum Fixed Rate Credit Card benefits?

Advia Credit Union Visa Platinum Fixed Rate Credit Card provides the following benefits:

Reports to major credit bureaus

What are the relevant APRs for Advia Credit Union Visa Platinum Fixed Rate Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Advia Credit Union Visa Platinum Fixed Rate Credit Card has lower than average purchase APRs.

Advia Credit Union Visa Platinum Fixed Rate Credit Card has a variable purchase APR that ranges from 8.90% up to 16.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 16.90%. It also has a variable cash advance APR that ranges from 8.90% up to 16.90%.

Does Advia Credit Union Visa Platinum Fixed Rate Credit Card have an introductory APR offer on balance transfers?

No, Advia Credit Union Visa Platinum Fixed Rate Credit Card does not come with an introductory APR offer for balance transfers.

Does Advia Credit Union Visa Platinum Fixed Rate Credit Card have an introductory APR offer on new purchases?

Advia Credit Union Visa Platinum Fixed Rate Credit Card does not offer an introductory rate on new purchases.

Advia Credit Union Visa Platinum Fixed Rate Credit Card Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for Advia Credit Union Visa Platinum Fixed Rate Credit Card?

The following fees apply to Advia Credit Union Visa Platinum Fixed Rate Credit Card:

Advia Credit Union Visa Platinum Fixed Rate Credit Card Fees
Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $32
Late Payment Fee	up to $35

Does Advia Credit Union Visa Platinum Fixed Rate Credit Card have a foreign transaction fee?

Advia Credit Union Visa Platinum Fixed Rate Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Advia Credit Union Visa Platinum Fixed Rate Credit Card report your account activity to credit bureaus?

Advia Credit Union Visa Platinum Fixed Rate Credit Card reports your account activity to the following credit reporting agencies:

Equifax
Experian
Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Advia Credit Union Visa Platinum Fixed Rate Credit Card

Visit the Advia Credit Union Visa Platinum Fixed Rate Credit Card website.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.
If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters
550 South Riverview Dr.
Parchment, MI 49004
(844) 238-4228
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Hours of Operation

Sunday Closed
Monday 9:00am - 5:00pm
Tuesday 9:00am - 5:00pm
Wednesday 9:00am - 5:00pm
Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm
Saturday 9:00am - 1:00pm

About Advia Credit Union Visa Platinum Fixed Rate Credit Card

View all personal credit cards offered by Advia Credit Union

View Advia Credit Union Profile

Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Washington, DC
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Feature Breakdown

Cash Advance Fee (%)	0%
No Annual Fee
Annual Fee	$0
No Interest Grace Period for Late Payment	25 days
Foreign Currency Transaction Fee	1%
Returned Payment Fee	Up to $32
Late Fee Amount	Up to $35

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Customer Type	Personal
Minimum Age	18
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Cash Payroll Check or Prepaid Card 1099 Misc. Income
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	650 - 850 850 300 650

Card Type	Low Interest
Card Network	Visa

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Advia Credit Union Visa Platinum Fixed Rate Credit Card

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