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 and Cons:

The Good	The Bad
Lower than average purchase APRs. No annual fee. Offers auto rental collision damage waiver. Travel assistance insurance 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.

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:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Assistance
• 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%.

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 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.