Perfect for members who’ve never had a credit card and want to start building their credit score (a big plus for your future). Our Start Credit Card is part of our Start Financial Program which offers special accounts, learning, and advice for teens, young adults, and members new to loans.
If you’re under 18 years old: We welcome you to apply for our Start Credit Card Program, as long as you have a parent or other co-signer on your card. Parents will have access to monitor and help manage their child’s credit card and make a payment through online and mobile banking.
Start Credit Card Program features:
No annual fee^
Low interest rates
Flexible terms for members new to loans and credit
Credit limit from $250 to $2,500, based on borrower(s) qualifications
VISA Credit Card gives you acceptance worldwide
So…what’s a credit score?
It’s an important number that represents your creditworthiness, or how likely you are to pay your bills. And it comes into play when you apply for an apartment, cell phone, loan, or even a new job. A great score not only helps you get approved for what you want, but can also help you borrow at lower rates on loans.
How can an Advantis Start Credit Card help me build a great credit score?
First, it helps you establish credit history (if you are new to loans). And by using it responsibly – meaning you make your payments on time every month – it can help you start to build a great credit score too.
Start Credit Card Program rates
Enjoy much lower rates than the big banks and major credit card providers charge. With Advantis you can borrow smart while building a great credit score!
Start Credit Card
ANNUAL PERCENTAGE RATE1
Start Credit Card Program
8.90% to 17.90%
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 no annual fee for the Visa Platinum, Visa Classic, and the Start Credit Card Program. Foreign currency conversion fee of up to 1.00% may apply. Underwriting approval is required. Start Credit Card Program requires Parent or other co-signer if under 18 years old Credit limit from $250 to $2,500, based on borrower(s) qualifications
Boost your money smarts with free online learning
After you open any account or loan that’s part of the Start Financial Program, we’ll email you short videos that will teach you all the basics when it comes to your finances. Below are the videos you’ll receive after you get an Advantis Credit Card.
Call us at 503-785-2528 (Monday – Friday, 8am – 6pm)
^All rates and terms are accurate as of 05/14/2019, Contact us for updated rate information. Annual Percentage Rate (APR) ranges for Start Credit Card Program is 8.90% to 17.90%. Your rate will be based on your credit qualifications. All loans are subject to underwriting approval. APRs may change after account opening at the discretion of the credit union. Foreign currency conversion fee of up to 1.00% may apply.