SuperMoney 
  Advia Credit Union Visa Platinum Fixed Rate Credit Card

Advia Credit Union Visa Platinum Fixed Rate Credit Card

in Personal Credit Cards from Advia Credit Union

Unaffiliated

Advia Credit Union Visa Platinum Fixed Rate Credit Card

Unaffiliated

in Personal Credit Cards from Advia Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Advia Credit Union Visa Platinum Fixed Rate Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

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

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.

  • Competitive APRs. Advia Credit Union Visa Platinum Fixed Rate Credit Card has a variable purchase APR of up to 16.90%.
  • 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.
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.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • 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%.

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.

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

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%
Balance Transfer Fee 0%
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 score.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

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

Icon for Personal Credit Cards
View all personal credit cards offered by Advia Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
Balance Transfer Fee % 0%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $32
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Low Interest
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 8.90% - 16.90%
Purchase APR (Variable APR) 8.90% - 16.90%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 8.90% - 16.90%

Be the first to rate

 

Would you recommend Advia Credit Union Visa Platinum Fixed Rate Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

2 Reviews

Deserve Classic Mastercard
Mostly recommended

6 Reviews

Advia Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Advia Credit Union Visa Platinum Variable Rate Credit Card
Balance Transfer APR 9.75% - 17.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range N/A Credit Score Range
Annual Fee $0 Annual Fee
Purchase APR 9.75% - 17.75%
(Variable APR)
    0% 36% Variable APR
Advia Credit Union Visa Platinum with Advantage Points Credit Card
Balance Transfer APR 11.75% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.75% - 18.00%
(Variable APR)
    0% 36% Variable APR