Young woman on laptop

Start Credit Card Program

Start building your credit score

The perfect start to a great credit score

Start Financial Program logo

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

Rates Effective 05/09/2019
Start Credit Card Program 8.40  % to 17.40  % 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 no annual fee for the Visa Platinum 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.


Click to watch now:


Want to keep learning now?  Watch more videos:

Financial Education Center

Bank from your phone – anywhere, anytime

Manage & move your money in just a few taps with the Advantis Mobile App
  • It’s like a branch in your pocket
  • Make a loan payment
  • Check your balance and transfer money in seconds
  • Deposit your checks from your phone, anytime
  • Setup account alerts
  • Use Apple Pay®, Samsung Pay®, Google Pay™ with your debit card
  • Parents: As a joint account owner, you’ll have access to monitor and
    help manage your child’s account and transfer funds to them

Learn more about online and mobile banking:

Online & mobile banking

Mobile app on a mobile phone

It’s easy to apply for the Start Credit Card Program!

First, a couple simple questions:

Are you 18 years old (or older)?

You have several easy options to apply for a Credit Card:

Are you under 18 years old?

Because you must have a parent or other co-signer on your Credit Card, please choose one of the following options:

For additional information:
  • Send us a secure email inside Online Banking
  • 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 8.40% 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 at the discretion of the credit union. Foreign currency conversion fee of up to 1.00% may apply.