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Start Credit Card for teens, students & young adults

The smart way to establish and build your credit

Start Financial Program logo

Make a great start on great credit

Our Start credit card is ideal for members who’ve never had a credit card and want to get an early jump on building their credit score. And it’s part of our Start Financial Program, which offers special accounts, learning, and advice for teens, young adults, and members new to loans.

Advantis Platinum credit card

  • 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
  • Contactless Visa Platinum card

Under 18? We’ve got you covered.

We invite you to apply for our Start credit card, as long 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 payments through Advantis Online & Mobile Banking.

What exactly is 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. Plus, a strong score can also help you borrow at lower rates on loans.

  • An Advantis Start credit card can help you establish credit history if you’re new to loans.
  • By using it responsibly – making your payments on time every month – you build and grow your credit score.
  • As your financial situation improves and you build credit, we can increase your credit limit.
  • Enjoy much lower rates than the big banks or major credit card providers charge.

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

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

Credit Card rates

Check out the competitive rates of our Start credit card.

Card Annual Percentage Rate1 Type
Start Credit Card Program 13.24% to 22.24% Variable

1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 8.50%) plus a margin. APR is accurate as of 04/01/2023. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% 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. 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.


Boost your money smarts with free online learning

If you’ve never had a credit card, or want to learn the basics when it comes to your finances, we can help you boost your money smarts. Learn more about the Start Financial Program and watch one of the interactive videos below.  

Click to watch now:


Want to keep learning now?  Watch more videos:

Financial Education Center

Manage your card from your phone

With the Advantis Mobile app, view your credit card balance and more in just a few taps

  • It’s like a branch in your pocket
  • Make a credit card payment
  • Check your card balance and transfer money in seconds
  • Parents: As a joint account owner, you’ll have access to monitor and help manage your child’s account and transfer funds to them

See Mobile Banking details.

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Mobile app on a mobile phone


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.
  • If you’d like, come in to any Advantis branch and we can issue a replacement card on the spot.
  • 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.

It’s easy to apply for the Start Credit Card

First, a few simple questions: 

Are you age 18 or older?

Apply online in minutes (and select "Credit Card-Platinum")

Already a member? Sign in to Online Banking to streamline your application. Important: select “Credit Card – Platinum”. 

  • Call us at 503-785-2528, Mon – Fri, 8 am – 6 pm
  • Visit any Advantis branch

Are you under 18 years old?

Because you must have a parent or other co-signer on your credit card, please visit any Advantis branch with your parent or guardian.

Additional questions?

Stop by an Advantis branch

Call Advantis


(Mon-Fri, 8am -6pm)