SECURED CREDIT CARD

The smart way to rebuild and strengthen your credit

Your card for building back and building up

We understand that sometimes you might need to rebuild and strengthen your bruised or damaged credit. That takes time and effort. And the Advantis Secured credit card is a great way to help you hone the strong financial habits that can put you on the path to healthy credit.




  • No annual fee
  • Credit limits start at $250
  • Secured deposit determines limit
  • Low rate at 14.99% APR1

Take control of your credit

Consistent, responsible use of a credit card can be a great way to improve your credit score. And that’s critical, since your score can impact so many aspects of your life, from lenders and landlords to utilities and potential employers. 

  • Upon approval, your card limit will be determined by the secured cash deposit you provide (credit limits range from $250 - $50,000).
  • As you build up and improve your financial situation by making payments on time for 12 months, you may reapply to see if you qualify for a higher credit limit and lower rate with an Advantis Platinum or Signature Cashback Rewards card.

Working for you

We’re a not-for profit financial co-op, so you know we keep interest rates as low as possible for our members. In fact, our Secured credit card rates are lower than the average rate of 17.75%2 for secured cards according to a report on WalletHub.

Plus, you enjoy the same benefits that come with every Advantis Visa credit card:

No annual fee
Mobile wallet for Apple Pay®, Samsung Pay®, or Google Pay™
No balance transfer fee
Manage your card 24/7 with Advantis Online & Mobile Banking
Contactless convenience – just tap and pay at participating retailers
24-hour phone support, free fraud protection, and account alerts
 

Credit card rates

Check out the competitive rates of our Secured credit card.


Annual Percentage Rate1 Type
Secured 14.99 % Variable

1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 3.25%) plus a margin. APR is accurate as of 10/01/2021. The APR is based on your credit qualifications. Credit limits between $250-$50,000 secured by deposit. Foreign currency conversion fee up to 1% may apply. Underwriting approval is required. 2APR based on average rate for secured cards sources from www.wallethub.com as of 09/29/2021. Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

 

Building healthy credit starts here

Like we said, rebuilding your credit takes time and effort. But you’re not in it alone. We can help  you boost your money smarts so you can boost your credit. Our Financial Resources & Education page has the tips and tools to understand and rebuild your credit so you can reach your financial goals.

  • Browse our library of short, helpful articles like this one on reducing your debt.
  • Check out a quick interactive video learning module, or watch one now.
Credit Scores and Reports
 

Frequently asked questions

How do I activate my card?
If you recently received a new Advantis Visa card, you can securely activate it by calling 1-888-691-8661.

What if my credit card is lost or stolen?
Notify us immediately.

  • Call 503-785-2528 or 800-547-5532, 8am - 6pm.
  • Only the card reported lost/stolen will be blocked.
  • Contact local law enforcement and report your loss. Record your report case number, and the name of person taking the report. We may ask you for this information.

What if I think someone has stolen my identity?
Visit our identity theft page for 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.

How can I view my credit card balance info, transaction history, or set other controls?
Log in to Advantis Online & Mobile Banking to manage your account activity and card controls.

How can I make a credit card payment?
The fastest way to make a credit card payment is through Online & Mobile Banking. Your payment posts to the credit card and increases the amount available to spend immediately.

Please note it may take up to two business days to reflect the payment in your online banking account history. Other convenient payment options are also available.

How long will it take for my new Advantis credit card to arrive?
You'll receive your card in the mail within 14 days after you're approved.



Get started with an Advantis Secured credit card

Apply online in minutes

Already a member? Sign in to Online Banking to streamline your application.

Stop by an Advantis branch

Call Advantis

(Mon-Fri, 8am-6pm)
503-210-2680
 
 
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