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  Advia Credit Union Visa Platinum Variable Rate Credit Card

Advia Credit Union Visa Platinum Variable Rate Credit Card

in Personal Credit Cards from Advia Credit Union

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Advia Credit Union Visa Platinum Variable Rate Credit Card

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in Personal Credit Cards from Advia Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 9.75% - 17.75%
Balance Transfer APR  (Variable APR) 9.75% - 17.75%
Credit Score Range N/A
Annual Fee $0

Advia Credit Union Visa Platinum Variable Rate Credit Card Review

Advia Credit Union Visa Platinum Variable Rate Credit Card is a credit card issued by Advia Credit Union. If you're wondering whether Advia Credit Union Visa Platinum Variable 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 Variable Rate Credit Card has a variable purchase APR that ranges from 9.75% up to 17.75%.
  • 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.

Advia Credit Union Visa Platinum Variable Rate Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Advia Credit Union Visa Platinum Variable 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.
  • Does not include many credit card rewards.

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

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

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

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

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Advia Credit Union Visa Platinum Variable 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 Variable Rate Credit Card has lower than average purchase APRs.

Advia Credit Union Visa Platinum Variable Rate Credit Card has a variable purchase APR that ranges from 9.75% up to 17.75%. The card has a variable balance transfer APR that ranges from 9.75% up to 17.75%. It also has a variable cash advance APR that ranges from 9.75% up to 17.75%.

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

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

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

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

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

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

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

Advia Credit Union Visa Platinum Variable 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 Variable Rate Credit Card

  • Visit the Advia Credit Union Visa Platinum Variable 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 Variable Rate Credit Card

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View all personal credit cards offered by Advia Credit Union

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 (%) Starting at 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
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  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.75% - 17.75%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 9.75% - 17.75%
Balance Transfer APR (Variable APR) 9.75% - 17.75%
Balance Transfer Fee % 0%

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Advia Credit Union Personal Credit Cards

Product

Reviews

Purchase APR

Balance Transfer APR

Credit Score Range

Annual Fee

Advia Credit Union Visa Platinum Fixed Rate Credit Card
Purchase APR 8.90% - 16.90%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 8.90% - 16.90%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Advia Credit Union Visa Platinum with Advantage Points Credit Card
Purchase APR 11.75% - 18.00%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 11.75% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee