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  Advia Credit Union Visa Platinum with Advantage Points Credit Card

Advia Credit Union Visa Platinum with Advantage Points Credit Card

in Personal Credit Cards from Advia Credit Union

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Advia Credit Union Visa Platinum with Advantage Points Credit Card

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in Personal Credit Cards from Advia Credit Union

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Highlights
Purchase APR  (Variable APR) 10.25% - 18.00%
Balance Transfer APR  (Variable APR) 10.25% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Advia Credit Union Visa Platinum with Advantage Points Credit Card Review

This is a rewards credit card issued by Advia Credit Union. If you're wondering whether Advia Credit Union Visa Platinum with Advantage Points Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Competitive APRs. Advia Credit Union Visa Platinum with Advantage Points Credit Card has a variable purchase APR that ranges from 10.25% up to 18.00%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Advia Credit Union Visa Platinum with Advantage Points Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • 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 will have good approval oods if your credit score is above650.
Pros & Cons of Advia Credit Union Visa Platinum with Advantage Points Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Cardholders can earn rewards on their purchases.
  • Advia Credit Union Visa Platinum with Advantage Points Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Advia Credit Union Visa Platinum with Advantage Points Credit Card FAQ

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card have a cash back or rewards program?

Advia Credit Union Visa Platinum with Advantage Points Credit Card is a rewards card.

Advia Credit Union Visa Platinum with Advantage Points Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Advia Credit Union Visa Platinum with Advantage Points Credit Card benefits?

It 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 with Advantage Points Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10.25% up to 18.00%. The card has a variable balance transfer APR that ranges from 10.25% up to 18%. It also has a variable cash advance APR that ranges from 8.90% up to 16.90%.

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Advia Credit Union Visa Platinum with Advantage Points Credit Card?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card have a foreign transaction fee?

Advia Credit Union Visa Platinum with Advantage Points 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 foreign transaction fees.

What is the customer service phone number for Advia Credit Union Visa Platinum with Advantage Points Credit Card?

The Advia Credit Union Visa Platinum with Advantage Points Credit Card customer service number is (844) 238-4228.

What is the support contact email for Advia Credit Union Visa Platinum with Advantage Points Credit Card?

The support contact email for Advia Credit Union Visa Platinum with Advantage Points Credit Card is CommercialServices@adviacu.org.

Does Advia Credit Union Visa Platinum with Advantage Points Credit Card report your account activity to credit bureaus?

Yes, Advia Credit Union Visa Platinum with Advantage Points 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 may help improve your credit.

How to apply for Advia Credit Union Visa Platinum with Advantage Points Credit Card

  • Visit the Advia Credit Union Visa Platinum with Advantage Points 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 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...
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

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

Other Services by Advia Credit Union

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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
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
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Cash Advance APR (Variable APR) 8.90% - 16.90%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 10.25% - 18.00%
Balance Transfer APR (Variable APR) 10.25% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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