Are you in over your head in credit card balances?
Start saving money today by transferring balances from those high interest rate cards to our low rate  VISA!  NO BALANCE TRANSFER FEES!
Already have our Visa and use online banking – click here – and you can do it yourself!
Not an Advantage VISA card holder yet?  Click here to apply.

Unlimited 2% Cash Back or Rewards

Visa Signature
Great purchase rewards!  

Rate as low as: 9.95%APR

Visa Classic

Advantage FCU offers a Visa Credit Card
that can save you money.

  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • Travel benefits such as: Trip delay, cancellation (up to $2,000), lost luggage, emergency evacuation, extended warranty, baggage delay, etc.)
  • FICO Credit Score on Quarterly Statements
  • Zero Liability Policy
  • Emergency Cash Disbursement
  • Complimentary 24/7 Concierge Service
  • Great Purchase Rewards
  • REAL TIME Fraud Alerts

$50 Annual Fee (we will waive the first 12 months)
Click here to view rates.

  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Annual Fees for Tier A & B Credit
  • Non-Variable Annual
    Percentage Rate
  • FICO Credit Score on Quarterly Statements
  • Great Purchase Rewards
  • REAL TIME Fraud Alerts

$20 Annual Fee based on your creditworthiness.
(Tier C & D only)
Click here to view rates.


Get rewards on everyday purchases!  From grocery shopping to big life changes, no matter where you spend turn your purchases into reward points. Redeem for awards like, appliances, jewelry, cookware, recreational equipment and more. If travel is more your style redeem your points for airline tickets, car rentals, hotel stays, cruises and more.

purchase points redeem process

Digital Wallet

Did you know that you can enjoy all the benefits of your Advantage FCU Credit Card through your smartphone? Use your Advantage FCU Credit Card with Apple Pay and Google Pay.

No need to worry! It’s simple, secure and works in thousands of stores and participating apps.

Apple Pay

  1. Add your Advantage FCU card(s) to the Wallet App.
  2. Use your device’s camera to instantly capture your card information
  3. OR enter your card information manually.

Apple App Store

Google Pay

  1. On your Android device open the Google Play Store App.
  2. Tap Menu > Account > Add a new payment method.
  3. Follow the onscreen instructions and add your Advantage FCU card(s).
  4. The new payment method will then be added.

Google Play Store

Visa Credit Card Chip Technology



Simple. Secure. Smart.

Chip technology gives you greater fraud protection compared to older swipe cards when you use your card at a chip-activated terminal. Your new card will not only be more secure-it’s also easy to use. Here’s what you can look forward to as a cardholder.

Enhanced fraud protection.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global acceptance.

Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa credit cards are accepted.
If a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right. Easy to use.

No matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy***

Keep in mind, you can continue to use your chip card online and over the phone the same way you do today.

Click to view larger.

Answers to questions about chip technology and how it will affect your Advantage FCU Visa:

What is a chip card?

Advantage FCU Visa Credit Cards will feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

How does chip technology protect my information?

Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Where can I use my chip card?

You can use your card at millions of places that accept Visa credit cards, at home and around the world.

Can I swipe my card to pay?

Yes. If a merchant is not yet chip-activated, you can continue to swipe your card.
Keep in mind, you may need to sign for your purchase.

Will I have to pay any fees to use a chip card?

No. There are no additional fees to use a chip card.

*After first year, Annual Fee is $50. Foreign transaction fee of 1.0%. APR is 16.00%. After the first 12 months you will earn 1.5 points per dollar spent. Certain restrictions, limitations, and exclusions apply. Subject to membership eligibility and loan approval. Refer to full program terms and conditions to confirm specific coverage levels. Advantage FCU cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at
**Points are earned based on your qualifying net purchases (purchases minus returns and/or other related credits), as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). Cannot earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account will reduce the Points available in your account. Rates range from 9.95% APR to 16.95% APR depending on your creditworthiness. All loans subject to credit approval. A 1% foreign transaction fee applies. Depending on your credit history, an annual fee, up to $20, may apply.
***Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.