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Advantis Credit Union
Online Banking
Online Banking Notice. Learn More.
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VISA CREDIT CARDS

Low rates, straightforward terms, and local service

Visa Credit Cards

Our cards help you save, and reach your financial goals faster. What’s not to like?


When you switch to an Advantis VISA credit card, you get more than a boost in your spending power. You get easy-to-understand terms, a low rate, no (or low) account fees, and no balance transfer fees. You also get the peace of mind that comes with security features like card protection, purchase alerts, and an EMV chip. Plus you can make easy and secure payments with Apple Pay.

With our credit cards you can:

  • Choose a low cost way to borrow, with rates as low as 8.40% APR*
  • Enjoy credit limits up to $50,000 (for qualified borrowers)
  • Transfer your balance from another bank and you may lower your interest rate and save money!
  • Pay no balance transfer fees and no annual fees (on VISA Classic & Platinum)**
  • Get security features that help protect your account and keep you safe
  • Earn rewards for using your card (VISA Platinum Rewards)
  • Have peace of mind with overdraft protection**
  • Access cash for emergencies without paying a cash advance fee**

APPLY NOW    CONTACT US 

View rates   |   Redeem VISA Platinum Rewards   |   Activate credit card   |   Report a lost or stolen card


Compare our credit card options: 


 VISA Classic
Apply Now!
 VISA Platinum
Apply Now!
 VISA Platinum Rewards
Apply Now! 
Best For: 
  • Lower balances
  • Overdraft protection**

  • Higher balances
  • Balance transfers

  • Higher balances
  • Earning Rewards points for travel & gift certificates

Credit Limit:   up to $5,000 $5,000-$50,000  $5,000-$50,000
Annual Fee No annual fee No annual fee $45
Balance Transfer Fee:  No fee No fee No fee
Annual Percentage Rate*: See our low rates See our low rates See our low rates
Rewards Program:  N/A N/A Earn 1 point for every $1 you spend (points expire after 4 years)
Learn more
View the Visa Credit Card account agreements


Let’s dig a little deeper.

Feel secure with our no-fee card protection.
You enjoy the savings. We'll help you keep your credit card secure. We continually monitor our members’ credit cards for fraud and alert you of any suspicious activity. Our Platinum VISA also comes with free travel insurance.

Add your Advantis cards to Apple Pay
You can make quick and secure payments (at participating retailers) with your iPhone, Apple Watch, or iPad and your Advantis cards! No need to pull your Advantis card from your wallet, no signing, no pin entering – just tap your mobile device to pay! Learn more

Visa Purchase Alerts
You can register your Visa debit or credit card to receive purchase alerts by email and/or text message when the transaction is processed through one of Visa’s networks: VisaNet, Interlink or the Plus Network. You select the notification service and levels that work for you.  Learn more and register now.

Get your lost or stolen Advantis Visa credit card replaced in-person at a branch

If you’re near an Advantis branch during business hours after you notify us of the loss of your Advantis Visa online (www.reportmycards.com) or by phone (503-785-2528 x2154), you can walk in to the branch and get your card replaced immediately.

Questions before you apply?
We’re here to help. Call 503-785-2528 to speak to a local loan expert, stop by any branch location, or email us. We’ll help you find the best credit card option to fit your needs.





In just a few minutes, you can better protect yourself when you make online purchases by registering your Advantis Credit and Check (debit) cards with Verified by VISA. This service will help protect you from identity theft and fraud by requiring a password before any online purchases are finalized with participating merchants. It's easy to register your existing Advantis card(s), and enrollment is required by participating merchants:

  • Click on the link below to enroll your card and create a password to confirm your identity.
  • Once your card is registered it will automatically be recognized at participating online stores when you make a purchase.
  • Prior to finalizing the purchase, the online merchant will require you to enter your password.
  • After you enter your password and it’s verified, your transaction will be completed.
You must register your card(s) to continue shopping online at Verified by VISA merchants.

Enroll your card now.

Questions? Please call 503-785-2528 x2154.

Problems using Verified by VISA

  • While registering your VISA card on the Verified by VISA website, after you enter all your personal information, you may receive the following error message:

    “Sorry, we are unable to process your registration at this time because the external verification system could not confirm your information.”

    This message will appear if you have entered any of your personal information incorrectly. It will most likely appear after you enter the last four digits of your Social Security number, but the incorrect information could be on any of the screens prior to that step. If you receive this message, click the small “Back” button under the message to go back a step and verify that you entered all your information correctly. If you believe that you have entered all information correctly and you continue to get the error message, contact our office during normal business hours (M-W-Th 9am-5:30pm; Tues. 10am-5:30pm; Fri. 9am-6pm) at 503-785-2528 ext 2154.


  • You are unable to access the Verified by VISA registration site altogether, and you receive either a blank white screen or a message similar to

    "You are not authorized to view this page"...

    This message may appear if your browser is not secure enough to access the Verified by VISA website. The Verified by VISA program utilizes state-of-the-art encryption technologies. To ensure your security and privacy on the internet, the Verified by VISA program requires your browser be equipped with one of the highest encryption levels available today, 128-bit. To determine if your browser has a suitable encryption level, contact our office during normal business hours (M-W-Th 9am-5:30pm; Tues. 10am-5:30pm; Fri. 9am-6pm) at 503-785-2528 ext 2154.
If you recently received a new Advantis Visa card, you can securely activate it online or by phone at:


You’ll need your Advantis member number and the last four digits of the primary card holder’s Social Security number.

Losing or having ATM or VISA cards stolen can be traumatic if you're not prepared. We have created this checklist to let you know what to do if such an unfortunate event happens to you. You will want to notify us immediately that your card has been lost or stolen.

Report Your Cards as Lost or Stolen Anytime Online
You can report your cards as lost or stolen online by logging on to www.reportmycards.com. You will be asked to enter your card number, or other personal information if you do not know your card number. This will immediately block all your cards and prevent them from being used by anyone else.

If your loss is discovered AFTER business hours, please follow the instructions below:

  • Advantis Credit Cards (after hours) call 800-682-6075
  • Advantis Debit Cards (after hours) call 800-682-6075
  • Advantis ATM Cards call 800-547-5532 or 503-785-2528

If your loss is discovered DURING business hours, please do one of the following:

  • Call Advantis at 503-785-2528 x2154 or 800-547-5532 x2154, 9:00am-5:30pm on Mondays, Wednesdays and Thursdays; 10:00am-5:30pm on Tuesdays; or 9:00am-6:00pm on Fridays to notify us.
  • If you’re near an Advantis branch during business hours after you notify us of your loss online (www.reportmycards.com) or by phone (503-785-2528 x2154), you can walk in to the branch and get your card replaced immediately.
ATM Cards: Call 503-785-2528 x2154 or email Advantis. We will contact you the next business day.

All VISA cards on the account will be blocked. When you call Advantis the next business day, we will order a new set of cards for you (we cannot release blocks on “good” cards when dealing with VISA cards).

You should call your local police department and report your loss. Record the case number of your report, as well as the name of the officer taking the report. We may ask you for this information.

Identity Theft
If you think you may be a victim of identity theft visit our identity theft page more information. If you have further questions or would like to speak to a Member Service Representative, please call us at 503-785-2528 or email us.

Credit Cards

Rates Effective 10/26/2017
Card Type Annual Percentage Rate1
Visa Platinum Rewards 8.40% to 17.40% Adjustable
Visa Platinum 8.40% to 17.40% Adjustable
Visa Classic 8.90% to 17.90% Adjustable


1The APR is based on your credit qualifications and is subject to change after account opening at the discretion of the credit union. You will be notified of any changes to the APR. APR changes will not apply to balances outstanding at the time of the notice. There is an annual fee of $45 for Visa Platinum Rewards that will be assessed at account opening and annually thereafter. There is no annual fee for the Visa Platinum and Visa Classic. Foreign currency conversion fee of up to 1.00% may apply. Underwriting approval is required.








Banks are for-profit. Advantis Credit Union is for you.

Our credit cards get you closer to your financial goals, because we’ve got your back.

Advantis is a not-for-profit financial cooperative, locally owned by our members. Which means instead of giving our earnings to corporate stockholders like banks do, we return them to our members in the form of better rates, lower fees, and more free services.



*All rates and terms are accurate as of 05/24/2017 unless otherwise stated. APRs range for Visa Classic is 8.90% to 17.90%; APR range for Visa Platinum and Visa Platinum Rewards range from 8.40% to 17.40%. Your rate will be based on your credit qualifications. All loans are subject to underwriting approval. APRs may change after account opening. You will be notified of any changes to the APR. APR changes will not apply to balances outstanding at the time of the notice. Foreign currency conversion fee of up to 1.00% may apply. All Visa accounts are subject to our Visa Credit Card agreement. We reserve the right to amend our agreement as permitted by law.

**Advances for overdraft protection, balance transfers and advances made by check are treated as cash advances. Interest accrues on a cash advance on the posting date. All Visa accounts are subject to our Visa Credit Card agreement. We reserve the right to amend our agreement as permitted by law

†Your cell phone carrier may charge a fee to send or receive a text message and message and data rates may apply. Please check your mobile plan or contact your carrier for further information.

‡This service cannot alert you regarding purchase transactions routed through non-Visa networks. Visa Purchase Alerts work with VisaNet, Interlink and Plus networks.

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Mortgages

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CERTIFICATE of Deposit

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Personal Checking

Accounts that fit your lifestyle.


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Business Checking

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Money Market

Instant access to your savings.


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Individual retirement accounts

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