Visa Signature

2% Cash Back or Rewards

Advantage FCU Visa Classic
Rate as low as: 9.95%APR

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

  • 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
  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • Great Purchase Rewards
  • Realtime Fraud Alerts

$50 Annual Fee (we will waive the first 12 months)

  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Annual Fees for Tier A & B
  • Non-Variable Annual
    Percentage Rate
  • Great Purchase Rewards
  • Complimentary 24/7 Concierge Service
  • REAL TIME Fraud Alerts

$20 Annual Fee based on your creditworthiness.
(Tier C & D only)


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

*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.
**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